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?

Answer
“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
  • Collision
  • Comprehensive
  • 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.”
Emily Maracle
Answered on Oct 08, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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