Does my home contents insurance cover items in my motorhome?

From kitchenware to tech, the cost of items stored in your motorhome can really add up, and as a motorhome owner, you’ll be well aware of this.

Many homeowners across the UK have home contents insurance. However, if you also own a motorhome, your home contents insurance might not always cover all of the contents kept in it.

In this blog, we’ll go through what home contents insurance often includes, whether it covers any items in your motorhome, and what motorhome insurance through Ripe covers, too.

What is home contents insurance?

Home contents insurance does exactly what it says on the tin; it protects the contents of your home should they be lost, stolen, or damaged. Home contents insurance usually covers your own possessions within the home as well as those of your family members.

Having home contents insurance isn’t a necessity but can provide further peace of mind should you ever experience loss, theft, or damage to the contents of your home.

For example, if your home was broken into whilst you were away and some of your possessions were stolen, you may be able to get these replaced through your home contents insurance.

What does home contents insurance cover?

Home contents insurance can protect things such as home appliances, furniture, clothing, and tech devices from loss, theft, and damage as long as its permanent residence is within your home.

Home contents insurance will also usually extend to cover items you temporarily remove from the home too. Personal possessions insurance is designed to cover items that you may temporarily remove from the home or carry with you whilst you’re out and about, such as phones, tablets, and laptops.

Does my home contents insurance cover items in my motorhome?

Whether your home contents insurance extends to items in your motorhome will depend on the specific terms of your policy, so always double check this.

However, you should be aware that many home contents insurers may not provide cover for items permanently kept in your motorhome. If you want things such as your motorhome furniture, kitchen appliances, and TVs insured against theft, loss, accidental damage, and so on, specialist motorhome insurance could be a good place to start.

What does specialist motorhome insurance through Ripe cover?

Investing in specialist motorhome insurance through Ripe can protect your motorhome and its contents against things like theft, loss, and accidental damage.

Not only that, you can also get additional cover for your motorhome equipment and accessories, which includes items like awnings, navigational equipment, portable generators, and so on.

Should you ever have an accident while using your motorhome, you can also get up to £20m of Public Liability cover for damage to someone else’s property and emergency accommodation cover, providing you with peace of mind should the worst happen.

What’s more, if you travel abroad in your motorhome, you can even include choose to add Continental Europe cover which will extend your cover to a range of European countries.

Find out more about specialist motorhome insurance through Ripe and get a free online quote today.