Whether to get full-year RV insurance comes up often, and it isn’t easy to answer. Like most people, you probably give little thought to your RV insurance until you need it. Then, that’s all you can think about! Here’s a look at the pros and cons of full-year RV insurance to help you decide.
The Pros of Full-Year RV Insurance
There are good reasons to get full-year RV insurance in Emmaus, PA. First, if you plan to use your RV often, it’s a good idea to have peace of mind knowing you’re fully covered. Second, if you have a loan on your RV, your lender will probably require you to have full-year insurance. And finally, if you live in an area with severe weather, full-year RV insurance can give you the protection you need.
Your Patrick McNealis Insurance and Financial Group rep is always happy to chat about your unique needs and help you decide if full-year RV insurance is right for you.
The Cons of Full-Year RV Insurance
Of course, there are also some drawbacks to full-year RV insurance. The most obvious one is the cost. Full-year insurance is typically more expensive than insurance that covers only part of the year. If you don’t use your RV often, you may not need the same level of coverage you would need if you used it more frequently.
Making the Decision
Whether to get full-year RV insurance in Emmaus, PA is a decision only you can make. However, your Patrick McNealis Insurance and Financial Group agent can help you weigh the pros and cons and make the best decision for your needs. Call us today to get started!
RV ownership in Emmaus, PA accords you a platform to enjoy the fascinating sceneries of Pennsylvania. Your RV in Emmaus PA is a designed house on wheels; thus, RV insurance should offer formidable protection for your expensive-owned asset. Several RV owners are converting their RV as their home and a prolific trend to tour and enjoy the breathtaking sceneries at the convenience of a home on wheels. Buying spectacular RV insurance from Patrick McNealis Insurance and Financial Group can make you enjoy your travels knowing that you and your expensive asset are protected.
Is RV insurance mandatory in Pennsylvania?
The state of Pennsylvania advocates RV owners to maintain the following coverage for their motorhome:
- Bodily injury liability: Caters to medical costs for other motorists if you are deemed liable for an accident
- Medical benefits coverage: It caters to personal medical bills if you are engaged in an accident with your RV.
- Property damage liability: Reimburses repair or replacement costs for the damaged property for others.
State-mandated liability coverages sometimes are not sufficient to offer maximum protection for you and your RV. Therefore, it’s instrumental in considering other types of optional coverages, namely:
Collision coverage: It pays for repair or replacement costs for physical damage propagated by a collision with another vehicle to your RV or other stationary objects.
Comprehensive coverage: It pays for repairing or replacing your RV if non-collision perils damage it. These covered calamities include contact with an animal, vandalism, and theft.
Un-insured and under-insured motorist coverage: It pays for medical expenses for you and your passengers if you are involved in a hit-and-run situation with your RV where the other motorist possesses inadequate coverage, or they don’t have coverage at all.
Replacement cost or personal effects: This type of coverage safeguards your belongings like camera equipment or sporting gear inside your RV.
No matter what type of camp trailer you use in Emmaus, PA our local agent is ready to answer all queries about RV insurance coverage. So don’t hesitate to call or visit us at Patrick McNealis Insurance and Financial Group so that you can have peace of mind on your next trip.
RV owners need to understand what their RV insurance policy covers. We can help you to learn more about what RV insurance can cover at Patrick McNealis Insurance and Financial Group.
The following are three expenses that your RV insurance policy should ideally cover if you are an RV owner in Emmaus, PA.
Costs of a lawsuit resulting from an RV accident
The liability coverage component of your RV insurance will cover the costs of legal representation if you are sued as the result of an RV accident. When you have RV insurance, your insurance company can handle the details of defending your interests in the event of legal disputes as to the result of an accident.
Repair costs for damages to your own RV
You should purchase collision coverage as part of your RV insurance coverage. This type of coverage will pay for any expenses resulting from repair bills for your RV.
If you don’t invest in collision coverage, you will have to foot the bill for damages to your RV out of pocket. That’s why it’s so important to make sure that your policy includes collision coverage.
Repair costs for fire or theft damages to your own RV
If you also invest in comprehensive coverage for your RV, you will also be covered for expenses resulting from fire or theft damage.
Comprehensive coverage is especially important to have if you live in your RV full time. Comprehensive coverage offers you coverage for many types of damage to your RV that standard collision coverage won’t provide.
Get the RV coverage you need in Emmaus, PA today with our help. Visit our Patrick McNealis Insurance and Financial Group office to learn more about our RV insurance offerings.