If you’re traveling Florida’s sunny roads with your RV packed full of gear—such as fishing equipment, cameras, laptops, or high-end grills—you may be wondering if your RV insurance through Love Insurance Services, serving Niceville, FL, protects all those valuables. The short answer? It depends on your policy.

Standard RV Policies and What They Include

Most basic RV insurance policies are designed to protect the vehicle itself. This includes coverage for collisions, liability for damage or injuries you cause, and sometimes comprehensive protection for events like theft or vandalism. While these policies may include some coverage for personal belongings, the limits are often low—far less than what many RV owners typically carry.

For instance, a standard policy might only cover a few thousand dollars’ worth of personal items. This may not be sufficient if you’re traveling with expensive camping gear or electronics. Additionally, it’s important to understand the difference between “replacement cost” and “actual cash value,” as the latter may result in lower payouts if your items are stolen or destroyed.

How to Be Fully Protected

If your RV serves as a second home or you frequently travel with valuable equipment, it’s wise to discuss your options with your insurance agent at Love Insurance Services. Many insurance carriers offer riders or endorsements that increase coverage limits for personal belongings inside your RV. Alternatively, you can explore separate personal property insurance to address any gaps in coverage.

Before your next trip, take inventory of the items you typically bring along. Then, consult with your agent at Love Insurance Services, serving Niceville, FL, to ensure everything important to you is adequately insured. This proactive step allows you to travel Florida’s highways and coastlines with greater peace of mind, knowing your assets are protected whether they’re inside or outside your RV.