Community Forums

Sleepy · 10-06-2010, 08:57 PM

Those of you who fulltime now, how do you insure the more expensive items like jewelry and collectables that might not be covered adequately by usual RV replacement coverage. Geico told us that they they have sub-limits of $1000 for any one item and $15,000 total replacement coverage for all inside items. I think our homeowners policy (when we were homeowners) made you list specific items (like jewelry) and charged you accordingly. Apparently, RV insurance (Geico) doesn't really want to cover pricier contents even if you list them. Any ideas are appreciated!

RickO · 10-06-2010, 09:04 PM

Good question. They were always scheduled (listed) on our homeowners but when we went full time we didn't do that with Progressive. While I think our total coverage is adequate I need to check my policy for details on individual items.

Rick

Lindsay Richards · 10-07-2010, 06:24 PM

Put them into a safety deposit box until such time your lifestyle permits wearing expensive jewelry.

RickO · 10-07-2010, 06:41 PM

Quote:

Originally Posted by Lindsay Richards

Put them into a safety deposit box until such time your lifestyle permits wearing expensive jewelry.

Lindsay, are you implying that the RV lifestyle is incompatible with wearing expensive jewlry?

Rick

Caemlyn · 10-07-2010, 06:59 PM

I have a separate policy for valuables and a blanket liability rider which covers loss by theft, accident or any other method, including acts of god.. flood, fire, lightening strike. It costs just slightly more than the RV coverage does... discuss with your agent

beaverjim · 10-07-2010, 07:18 PM

try getting a stand alone policy for 30 to 40 grand worth of jewelry

jim

Lindsay Richards · 10-07-2010, 08:01 PM

Wearing expensive jewelry might go well in your family, but my wife can lose anything. We both wear our wedding rings and a college ring, but we have both gained some poundage in the last 45 years so they would have to be cut off. My wife has realized that it is just not going to work for her. The glasses alone she has lost would fill a big box. Also knocking around in the woods is liable to dislodge a setting. We all make our own decisions about what is best for us, but we don't take anything we can't stand to lose. This goes for sentimental items. I had a key fob I had carried for over 30 years and lost it. I also lost an irreplaceable pocket knife given to me in the LBJ redwood Forest. Neither had any real monetary value, but sooner or later things can get lost. I don't worry about theft, but operator error.