Rig & Ride

Coverages / Personal effects

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Personal effects

Belongings carried in the RV: laptops, bikes on the rack, cookware, clothing. Homeowners policies often limit property away from home.

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  1. 1RV and trailer types 6
  2. 2Powersports types 0
  3. 3Questions to ask 2
  4. 4All lines 14

When it matters

It pays for belongings lost, stolen or damaged in the RV, up to the limit you choose.

An RV carries more property than most cars: bikes on the rack, laptops and cameras, kitchen equipment, clothing for weeks. A homeowners policy may cover some of it while away from home, often at a reduced limit and with a separate deductible. Personal effects coverage on the RV policy covers it where it sits.

Check two things: the per-item limits for electronics and bicycles, which are easy to steal, and whether payment is at replacement cost or actual cash value. An inventory with photographs, kept somewhere other than the RV, makes a claim far easier after a theft or fire.

The common mistake is relying on a homeowners policy for property carried in the RV without checking the away-from-home limit and how it treats property in a vehicle.

Ask before you buy

Vehicles it is on

Class A motorhomeA bus-sized motorhome is a vehicle and a home at once; the policy has to cover both roles, and a breakdown far...Class B camper vanBuilt on a van chassis and driven daily by many owners, a Class B is closest to an auto policy with RV...Class C motorhomeA cutaway truck chassis with a cab-over bunk: rental fleets favour them, so check whether a policy covers...Travel trailerA towable has no engine, so liability on the road usually comes from the tow vehicle's auto policy; the...Fifth-wheel trailerThe large towable many full-timers live in; full-timer liability and contents limits matter as much as the...Toy haulerA trailer with a garage for bikes and ATVs: the cargo inside needs its own policies, which the trailer policy...

Other lines

Liability (bodily injury and property damage) · Collision · Comprehensive · Uninsured / underinsured motorist · Medical payments / PIP · Custom parts and equipment · Total loss replacement · Agreed value · Full-timer liability · Vacation (campsite) liability · Emergency expense · Roadside assistance and towing · Storage / lay-up option

Written from standard RV and motorcycle policy forms; your policy's wording governs. Checked 2026-10-23. Methodology.