Since you purchased your RV, you may have added custom equipment that did not come from the RV manufacturer.  Examples include flooring, furniture, cabinetry and more. In the event of a total loss, this upgraded equipment would be expensive to replace. 

The definition of a “Custom Equipment Upgrade” is as follows: The cost of any equipment, designs or improvements made a permanent part of “your covered auto” after its original manufacture, including, without limitation, any murals, accessories, options, upgrades, or additional equipment as evidenced by proper proof of purchase. 

Keep in mind that an “upgrade” refers to an improvement or addition made to the RV after manufacture. Replacing items with another of like quality due to its failure is considered maintenance, and is not an upgrade. For example, replacing an awning with another of the same type, function and dimensions is not an upgrade. Replacing an awning with one that improves its function, type, or size would be an upgrade.

Custom equipment can include, but is not limited, to:

Flooring              

        Carpet, tile, wood and vinyl

Furniture

Reupholstered

Replacement furniture

Custom Furniture

Cabinetry

Interior TV cabinet

Work station

Storage Solution

 Electronics and Appliances

LCD HD televisions – the bigger the better and everywhere! 

Audio video components – all types, but especially surround sound systems

Satellite systems – for televisions and radios

Motorization – window blinds, sofas, almost anything

Back-up cameras and monitors

GPS

Appliances – convection ovens, dishwashers, washer/dryers

Computer centers

Ceiling fan

And that’s not all, how about:

Electric fireplaces

Saunas

LED lighting that changes color – inside and out

Lighting

Artful lighting

Safety lighting

Mood lighting

Replacement lighting

Rope lighting

Ceiling

Replacement

Repair

Decorative

Window Treatments

Replacement

Upgrade 

Exterior

Stainless Steel Trim

HD Satellite

Bay Entertainment

Awning replacement

Wheel covers

Custom Paint

Walls and Panels

Replacement

Upgrade