RV Insurance in Pennsylvania
In Pennsylvania, the law requires motor vehicle owners to carry vehicle liability insurance, but these policies aren’t typically sufficient or geared towards covering recreational vehicles. Whether or not you need a supplemental RV insurance policy depends on what type of policy you currently have for your home and auto and the model of recreational vehicle you own.
Do You Need RV Insurance?
Those who have a full coverage auto insurance policy may have a bit of protection for small, tow-behind trailers included. However, if the RV is financed or is a larger or self-driving model, RV insurance will be required in Shavertown, PA, and throughout the state.
This coverage may be included in a primary auto policy or through a supplemental one specific to the RV itself. In some cases, a separate policy may be necessary to ensure that all potential losses are covered, such as theft and extensive damage. Let’s explore the most common types of RVs and what policies offer the best coverage for owners.
Motorhome Insurance Coverage
Larger motorized RVs range from large Class A models to smaller Class C minis. These are best protected with comprehensive RV insurance policies that cover exterior and interior damage, systems like plumbing and electricity, and flooding. Full-timers who live in an RV may want to get a total loss policy with emergency expense coverage should alternate housing be necessary due to significant damage.
Fifth Wheel & Travel Trailer Insurance
Fifth wheel RVs, travel trailers, and pop-up campers with RV insurance can enjoy all of the same coverage options as drivable models but do have a few extra considerations. Because they hitch to vehicles and are frequently used for camping, we offer customized policies to cover damage incurred due to trailers coming loose, wind damage, and incidents that may occur when parked at campsites.
Need RV Insurance?
If you live in Pennsylvania and own an RV, the agents at Patrick McNealis Insurance and Financial Group are prepared to craft a customized insurance policy or policies to meet your needs. Call or stop by our main office in Shavertown, PA, or one of our offices in Emmaus, Bethlehem, and Nazareth.