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.