How do you insure personal property when you live in a van?
We are vandwellers and recently had some property stolen. Is there a way to insure our property?
“Van life is an adventurous way to live your life, but unfortunately, it’s not always easy to get the right insurance product.
Depending on what type of insurance you have, you may think that you’re covered in the event of theft, but this isn’t always the case. Most car owners actually rely on renters insurance or home insurance to cover the theft of items in their car.
That said, most van dwellers opt for a Class B RV insurance policy. This policy covers the same things that car insurance would, such as:
- Bodily Injury
- Property Damage
- Uninsured Motorist
- Medical Payments
However, some insurance companies may also include personal effect and replacement cost coverage as standard coverage. Others may consider it an optional coverage that you can add to your policy. In most cases, this will cover anywhere from $500 to $5,000 worth of personal property if your items are stolen out of the vehicle.
You’ll want to review your policy documents as well as the terms and conditions to see what’s covered under your policy. If you don’t see personal effects coverage, you should reach out to your insurance company to determine whether it can be added.
Moreover, you should research a few different companies to see if they offer such a policy. Once you’ve identified a few, use the Jerry app to compare quotes from over 45 insurers to get the best coverage for a stress-free van life.”
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Read advice from car experts at Jerry
Browse by topics
What others are asking
How do vandwellers get insurance?
My sister is talking about buying a van to live in. How would she get insurance? Is there insurance to cover her personal property since it's not an actual home or rental property?
Oct 08, 2021
Can I buy RV insurance for a business van?
I'm starting a company and I'm going to buy a van. I will be using it sometimes as a personal vehicle, but mainly for business. I heard RV insurance is cheaper than a commercial policy. Is this the insurance I should get?
Oct 08, 2021
How do you get a conversion van insured?
I bought a RV policy online for a Sprinter van, but it was canceled after underwriting. Where can I get insurance for it? I thought RV policies included vans.
Oct 08, 2021