Just last week someone unlocked our rear storage compartment on our RV and took 2 large tool boxes, essentially every tool we own. We made a police report and we contacted Progressive. They took photos and then asked us to submit a list. In the meantime they were to get coverage information from our particular state. Turns out the tools, and there were a lot of them, came to a current value of around $2,000. We had been paying for $15K in personal effects coverage and thought we'd at least get some sort of settlement.
When Progressive found out the total value they declined the entire claim. They pointed to the term that states there must be "evidence of forcible entry". Since the thief either had the ubiquitous C751 key or knew how to pick the lock, we had no physical damage to the RV door. No evidence so no offer, period. One would think the company would rather have a happy customer by at least making some sort of offer than losing the customer all together.
So had we actually been dishonest and knocked out the lock on the door after the fact we would have been paid for both the missing tools and the door repair. But the fact that we were honest we got hosed.
So a warning to all RV owners, if someone gets into your RV and takes your stuff make sure there are signs of entry. Oh and make sure you change out all those C751 locks.