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Old 04-20-2016, 11:36 AM   #11
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I believe awnings are also covered under the contents portion of the insurance. Include that value also.

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Old 04-20-2016, 11:59 AM   #12
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Not counting the things that came with the lite, 3-4K.

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Old 04-20-2016, 12:38 PM   #13
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Our insurance policy says usual contents to a motorhome $ 5,000. As we are fulltiming we added "additional content" $ 20'000. So we are now at $ 25'000 which might not even cover everything if the motorhome burns out and you have to buy everything.
Just think about cloths, shoes, bedding, dishes, pots, pans, cutlery, TV(s), computer(s), CD, mp3 players, satellite and/or TV installation, ladder, tools, boxes, bicycle rack, bicycles, and all the little things you have in your storage like multimeter, bicycle repair kit, screws, clamps, sewer hose adapters, extension cords, bungee cords and straps, bucket, water hoses, connections, spray nozzles, filters, and so on ...

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Old 04-20-2016, 03:40 PM   #14
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My insurance defaulted to 5k with option to go higher for more coverage. From recent storage post, would include cost of battery and filled propane tanks. Defaulted electronics include tv (I have two), Pathways satellite antenna? ice maker, laptop and or iPad when camping. Then we occasionally have to leave rescue pup who would let the trailer be stolen for a belly rub! Maybe 5k is not enough!!!
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Old 04-20-2016, 06:36 PM   #15
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I think the best thing you can do is walk around your house and right down all the things in your home that would need to be replaced if some disaster happen (tv, computers, dishes, sheets, towels etc etc) and come up with a figure.
People need to understand when it comes to insurance and rving, it is a HOUSE on wheels, so it will be the same costs!
Hope this helps and Happy Camping
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Old 04-20-2016, 07:03 PM   #16
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Next time you give the trailer a good spring cleaning, get a digital camera and take pictures of all the stuff in there. Put the pics on a CD and store it someplace safe.

Not a bad idea for the stick house, storage locker, whatever.

But honestly it depends on the trip and the amount of cameras, music instruments, radio equipment and laptops we take on that particular trip.Could be $6000.
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Old 04-20-2016, 11:43 PM   #17
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This thread got me thinking and we tried to do an honest inventory. We recently retired and we are somewhere between 1/3 and 1/2 fulltime. Electronics and generators took us to 5K easy. Then we figured around another 5k for clothes, pots/pans, and all the camping essentials. So we upped our content coverage to 10k and think that should do it. We are keeping our fingers crossed!!!

Good thread!!

Enjoy RVing!!

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