Does RV Insurance Cover Theft or Vandalism?

Your recreational vehicle (RV) can take you to far corners of the continent while providing many of the comforts and securities of home. But given your RV’s value, you must, unfortunately, consider the possibility of it being targeted by criminals. If your vehicle is stolen, defaced or otherwise damaged by criminal acts, being prepared with a suitable RV insurance policy can help limit your costs and get you back on the road as soon as possible.

How Can I Make Sure I Have the Right Coverage?

When it comes to insuring RVs and other automobiles against theft and vandalism, you’ll want to start by asking about comprehensive coverage. This commonly purchased part of an RV insurance policy can help you recoup losses and expenses arising from many noncollision-related incidents involving your vehicle, including, but not necessarily limited to, the following:

• Theft
• Vandalism
• Fires
• Windstorms
• Hail
• Floods
• Animal-related damage
• Falling objects (e.g., rocks and tree branches)

Consider the following real-life scenarios:

• If you’re parked at a campsite and your RV is vandalized during the night, you may need to have it repaired or get a new paint job. In such situations, comprehensive coverage could help you recoup losses.
• While filling up at a gas station, a thief slips into your vehicle and makes off with it. Even if you’re able to recover your RV, the criminal might cause damage during their attempted escape. Fortunately, comprehensive coverage can offer compensation.

What Else Should I Know?

Given that RVs may also double as temporary or permanent residences, you might also want to account for the possibility of losses involving your personal belongings. Full-time RV insurance policies and those that include contents coverage can be crucial, as they may cover camping gear, clothing, furniture, electronics and other possessions stolen or damaged by criminals.

We’re Here to Help

If you’re looking to insure your RV against thieves and vandals, the team at Mahaffey Insurance Agency can help. Contact us today to discuss your coverage options and secure a suitable policy.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.