Pennsylvania is a beautiful place to explore. With the abundance of lakes, rivers and camping destinations available, a motorhome is an ideal way to travel. You can ensure that you are financially protected if your RV is in an accident by purchasing Pennsylvania RV insurance, just as you would for a car or a truck.
If you are in the market for an RV, or if you need coverage for the one you already own, an independent Trusted Choice® member agent can help you find the RV coverage that is right for your budget and travel needs. Contact a local independent agent to get Pennsylvania motorhome insurance quotes tailored to your RV lifestyle.
Pennsylvania RV Insurance Requirements
At the minimum, PA state law requires you to maintain the following coverage for your motorhome:
- Medical Benefits Coverage: This pays for your medical expenses if your RV is involved in an accident, no matter who is at fault.
- Bodily Injury Liability: This pays medical expenses for others if you are at fault in an accident.
- Property Damage Liability: Pays to repair or replace the damaged property of others after an accident.
Your financial protection is limited by the amount of coverage you buy. For instance, you may insure your RV for a minimum of $30,000 in liability. If your settlement and legal defense come to $80,000, you must pay the remaining $50,000 out of your earnings and assets.
Your coverage limits can be set high above the minimum required by the state. That way you can rest assured that you will not have to pay out of pocket for a claim against you after a collision. A local agent can help you protect your motorhome with as much Pennsylvania RV coverage as possible, for a price that suits your budget.
Other Forms of RV Coverage
The RV insurance required by the state will only grant you a minimum of financial protection. Also if you financed your motorhome, you probably need to add collision and comprehensive coverage to meet the terms of your loan. The following types of coverage are not required by law, but can help you get back on the road quickly after an accident:
- Uninsured/Underinsured Motorist: Pays for your medical expenses and property damage if the driver at fault is not fully insured
- Collision: Covers repairs for your motorhome if you collide with an object, animal, or other vehicles
- Comprehensive: Pays for damage to your RV caused by fire, flood, falling trees, tornado, theft, vandalism, and other unexpeted disasters, whether you are on the road or parked at home
- Roadside Assistance: Provides towing, jump starts, and flat tire services which can come in handy on a road trip
A member agent can show you many types of RV coverage and help you choose the combination that fits your RV usage best.
RVs That May Require Pennsylvania RV Insurance
These are the major categories of RVs that Pennsylvania residents own:
- Class A Motorhomes: These RVs are like a house on wheels, large enough for a family to occupy easily. Because of the extra damage that a large RV can cause in a collision, it is important to carry enough liability insurance.
- Class B Motorhomes: These van-sized motorhomes are easier to maneuver in tight spaces than their bigger counterparts.
- Class C Motorhomes: Also known as mini-motorhomes, these midsized RVs are the favorites of small families.
- Motorhome Bus Conversion: These can run large or small, with a wide range of cost. If you have made expensive upgrades to your custom-made bus conversion, it would be a good idea to insure it with a comprehensive policy that covers the replacement value.
- Travel Trailers: These are towable RVs attached to a vehicle by a trailer hitch. You may wish to purchase trailer insurance, so that you are financially protected from liability and damage to your trailer.
- Fifth Wheels: These big towables can be pricy, and the purchase of comprehensive coverage to pay the cost of replacement after an accident is a smart investment.
- Truck Campers: These small campers attach to a truck bed, and may be covered by your truck's auto insurance.
No matter what type of RV you use, a local independent agent can answer your questions about Pennsylvania RV insurance so that you can have peace of mind on your next outing.
Pennsylvania RV Insurance for Full Timers
Many retirees and adventure seekers occupy their motorhomes for the majority of the year. If you are one of these RV dwellers, you may need full-timer coverage. Full-timer coverage acts in much the same way as homeowners insurance, providing extra liability coverage for incidents that take place inside your RV. You can also add personal property coverage, which protects the value of the belongings you keep inside your motorhome, just like a homeowners policy would insure your furniture and valuables at home.
If you use your RV for the majority of the year, talk to a member agent about your motorhome coverage options. A local agent can take your situation into account and find just the right policy for you.
Get the Pennsylvania RV Insurance You Need
When you are ready to shop for RV coverage, an independent agent in the Trusted Choice network can make it easy. These agents are not bound to one insurance company, so they can act in your best interests to find coverage that meets your needs at a price you can afford.
Contact a local independent agent today to start comparing Pennsylvania motorhome insurance quotes tailored to your budget and your RV lifestyle.