Hello fellow travelers! I’m looking for some advice on the following insurance scenario. I am American, traveling with my European partner in a DIY camper we built in Czech Republic. We have car insurance, but as many van-lifers are aware, most car insurance only covers the vehicle value, not the possessions inside. We own loads of gadgets (laptops, projector, drone, camera equipment, etc.) and I cannot imagine our recovery if we were to lose these things all at once.
We have done loads of safety precautions already: we don’t look like a campervan, we have a hidden safe that’s insanely difficult to locate, we have a steering wheel lock, and we always have our curtains up. As we venture to some countries with mild travel advisories, it’s a nice peace of mind to have insurance in that worse case.
A lot of travel insurance agencies only protect personal items from airport related thieves. Other automobile insurance agencies only protect up to $1,000 USD for personal items if a personal items clause is added to in an existing account. We aren’t renters or homeowners, so we don’t qualify for home insurance. I’m very interested to how others have found a way to insure their belongings while living on the road full-time.
Wishing you all safe travels!