What is Not Covered by RV Insurance

While RV insurance provides a safety net for many situations, certain scenarios and items fall outside its protective reach. These exclusions can range from personal belongings inside the RV to specific modifications made to the vehicle. By delving into the intricacies of what your policy may not cover, you can proactively take steps to mitigate risks and secure additional protection where necessary. At HighPointe Insurance Services LLC in Overland Park, KS, we provide RV insurance. Here is what you need to know about RV coverage.

What is Not Covered by RV Insurance

Knowing what is not covered in RV insurance is crucial to avoid unpleasant surprises. One common exclusion is regular RV maintenance costs and wear and tear. Insurance typically does not cover mechanical breakdowns or failures that result from a lack of maintenance.

In addition, most policies do not cover personal belongings inside the RV. While the vehicle itself may be insured, your personal items, such as electronics, clothing, and jewelry, are usually not included in the coverage. It’s important to consider separate insurance options for these belongings or ensure they are protected through other means while on the road. We can walk you through all of your options and what is available coverages you have. 

Contact HighPointe Insurance Services LLC in Overland Park for RV Insurance

Protecting your RV investment is critical, and HighPointe Insurance Services LLC professionals are here to help. It’s always best to schedule an appointment with one of our insurance agents to learn what’s covered in your policy. Contact us today to schedule an appointment and learn more about RV insurance.