A recreational vehicle can be equipped with almost any appliance you might find in a conventional home, including refrigerators, microwave ovens, stoves, and even dishwashers. You can also wash and dry your clothes in a well-equipped RV. These appliances make motorhomes more convenient and versatile, but does RV insurance cover them?
Insurance Coverage
Recreational vehicle owners in Altoona, PA, will be pleased to know that RV insurance often covers appliances and other contents of a motorhome. However, you’ll likely need to opt for personal effects/property coverage to have this type of protection. In addition to appliances, it frequently covers electronics, apparel, and similar items.
Keep in mind that RV insurance will only cover appliance damage caused by a covered event. These events vary depending on the specific type of policy you have. Collision coverage primarily covers damage caused by crashes involving objects or vehicles. Comprehensive RV insurance expands coverage to include fire, vandalism, animal strikes, and various kinds of extreme weather.
What’s Not Covered
Recreational vehicle insurance won’t cover a mechanical failure or manufacturing defect in an appliance. If you want this type of coverage, you’ll need to opt for an extended warranty. Insurance generally covers unexpected sudden losses that aren’t associated with wear and tear, routine maintenance, or the replacement of equipment at the end of its normal lifespan.
If you’re looking for a policy that will cover your RV and its appliances, H. Dean Allison Insurance can assist. Our local agency has over 45 years of experience and partners with several top insurance carriers to provide excellent coverage. To request a quote and get detailed answers to your questions, call 814-941-0675 to reach H. Dean Allison Insurance in Altoona, PA.
