Does RV Insurance Cover Attachments and Accessories?

Does RV Insurance Cover Attachments and Accessories?

Does RV Insurance Cover Attachments and Accessories?

Here’s a brief look at RV accessory coverage:

  • Your policy can cover equipment that you attach or install.
  • This includes awnings, cargo carriers and electronics. 
  • If you want to cover these items they need to be listed individually on your policy. 
  • Contents coverage is also available for your personal belongings.


Q: We’ve made some improvements to our RV to make it more livable on long trips — and spent a good amount of money in process. Will my insurance policy cover all the new extras? 


Farmers Insurance® agent Nick Weiser of Oxnard, California, discusses how to cover your RV accessories.

A: Farmers RV policies can provide what’s called accessory coverage. Accessories are things that you attach or install after the RV leaves the factory — like awnings, cargo pods, bike racks, generators, and entertainment systems. Your Farmers agent can help you add each accessory to your policy as a line item, so you can be assured that your RV is covered exactly as it is today. 

You may have other equipment you want to insure, even though it isn’t installed. I’m talking about outdoor furniture, portable grilles, small appliances and the like. These items fall under the category of personal property, and can be covered under the “contents” portion of your RV policy. Note that some high-value items might need to be listed individually on your policy. Be sure to review the contents of your RV with your agent, so that your belongings can be covered the way you want.

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