You’ve got your RV insured—awesome. But what about the rest of your setup? Many RVers are surprised to find out their policy doesn’t automatically cover all the extras that make RV life comfortable, adventurous, or even possible.
Here are 5 commonly forgotten items that should be on your insurance radar:
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Towed Vehicles (“Toads”)
Whether it’s a Jeep, SUV, or compact car you flat-tow behind your motorhome, your RV policy probably doesn’t cover it. Towed vehicles usually need their own policy.
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Golf Carts & ATVs
Recreational vehicles used at campgrounds or around your property often require separate coverage. If it has a motor and wheels, it probably needs its own policy.
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Solar Panels & Custom Add-Ons
Did you upgrade with solar, lithium batteries, or fancy satellite systems? Many policies only cover factory-installed items unless you tell your agent.
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Trailer Contents
That fully stocked kitchen, custom mattress, and your expensive bike might not be covered unless you’ve added personal effects coverage.
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Detached Equipment & Accessories
Portable satellite dishes, outdoor kitchens, awnings, grills, toolboxes—if it’s not bolted down, it might not be protected.
💡 Bonus Tip: Even some “attached” gear like bike racks or cargo haulers may need to be listed separately for full replacement value.
At Twin Peaks RV Insurance, we go beyond the basics. We'll help you create a policy that covers your entire RV setup—not just the rig itself.
👉 Click here to request a review
Or call 800-507-8467 and we’ll go over your current coverage together.