Your RV probably has more bells and whistles than you initially planned. Those awnings, satellite dishes, and solar panels seemed like great additions until you started wondering about insurance coverage. At Friant Insurance Agency in Temecula, CA, we frequently hear these questions from RV owners.

What Qualifies as an Attached Accessory?

Most RV insurance policies consider permanently attached items as part of your vehicle. This includes awnings, satellite dishes, solar panels, bike racks, and exterior storage compartments. The keyword here is "permanently." If you can easily remove it without tools, it might not qualify for automatic coverage.

Your basic RV policy typically covers these attached accessories up to a certain percentage of your RV’s value. However, this coverage often has limits that might surprise you. A high-end satellite system or custom awning setup could quickly exceed these standard limits.

When Additional Coverage Is Necessary

If you’ve invested significant money in accessories, you should consider additional coverage. Many insurers offer accessory coverage endorsements that increase your limits specifically for these items. This is especially important for expensive solar panel systems or premium entertainment setups.

Some policies also cover accessories differently depending on how the damage occurred. For example, wind damage to an awning might be covered, while damage from leaving it out during travel might not be. Reading the fine print is crucial.

Don’t Assume Everything Is Covered

The biggest mistake RV owners make is assuming everything attached to their rig is automatically covered at full value. Before your next trip, review your policy details and consider whether your current limits match your actual investment.

Friant Insurance Agency in Temecula, CA, can help you understand exactly what’s covered and recommend additional protection if needed.