RV Insurance in Pennsylvania

Also providing RV insurance to residents in Maryland, North Carolina, New Jersey, and Virginia.

Anthony Acri Insurance

What is RV insurance?

A motorhome is a major investment, and it’s important to protect such an investment when possible. RV insurance can give motorhome owners in Pennsylvania a variety of protections, both when they’re on and off the road.

RV insurance offers tailored coverages for motorhomes, RVs, and similar vehicles. Policies may combine typical auto insurance protections with additional coverages that are more specifically for RVs.

• Who in Pennsylvania needs to have motorhome insurance?

   

• Most Pennsylvania residents who have an RV, motorhome, or similar travel vehicle need motorhome insurance. It’s generally required when driving on roads, and important even when not.

What protections can motorhome insurance policies come with?

Motorhome policies can come with a variety of protections that RVers may need.

Some examples of fairly typical auto coverages that these policies frequently offer are:

• Personal Injury Coverage: May cover injuries sustained by occupants in the RV when it’s in an accident.
• Bodily Injury Liability Coverage: May cover injuries sustained by those not in the RV, namely those in other vehicles and pedestrians.
• Collision Coverage: May cover RV damage that’s sustained during an accident with at least one other vehicle.
• Comprehensive Coverage: May cover RV damage that’s sustained in other incidents, like theft, fire, severe weather, or hitting an animal.
• Property Damage Liability Coverage: May cover damage the RV causes to another vehicle or property during an accident.
• Gap Coverage: May cover the financial difference between the RV’s resale value, and a higher outstanding amount on a loan.
• Underinsured/Uninsured Motorist Coverage: May cover accidents that involve drivers who are uninsured or underinsured, and also hit-and-runs.

Some coverages that tend to be more particular to motorhomes and RVs include::

• Personal Property Coverage: Could insure belongings kept within the RV, like computers, cameras, dishes, clothing, souvenirs, etc.
• Emergency Travel Coverage: Could insure against trip interruption, potentially paying for lodging and meals if there’s a covered interruption.
• Vacation and Campsite Liability Coverage: Could insure against accidents (non-vehicle) in or around an RV when it’s parked and set up for living in.
• Full-Time RV Coverage: Could offer additional insurance benefits for individuals who RV full-time, and don’t have a traditional primary residence.

Should RVs be insured when they’re not being driven?

Owners might not need to maintain the same insurance coverages when not driving an RV for an extended period, but it’s still important to maintain certain coverages. In particular, comprehensive coverage may protect against damage that an RV could sustain while being stored. Lenders might still require gap and collision coverages, and there are others that could be important.

Owners who’d like to adjust their insurance coverages for when their RV is being stored should work with a knowledgeable agent. An insurance agent who specializes in motorhome insurance will be able to make informed coverage recommendations, and help adjust a policy.

What is Class A, Class B, and Class C motorhome insurance?

Motorhome policies are often categorized as Class A, B, or C. These generally refer to what size vehicles a policy can insure:

• Class A is normally for full-sized motorhomes and converted school buses
• Class B is normally for mid-sized motorhomes and mid-sized camper vans
• Class C is normally for small motorhomes, small camper vans, and fifth-wheels

An insurance agent who specializes in RV policies will be familiar with the details of each class. They can advise owners as to what class is most appropriate for the owner’s RV.

How much does it cost to insure an RV?

The cost of insuring an RV depends on many different factors. The RV’s class, age, value, and safety features typically influence premiums, as can the chosen protections, items kept on board, and owners driving record. There are still many more details that’ll impact premiums.

Owners can find out how much insuring their RV will cost by working with an independent insurance agent. An independent agent will have the flexibility to check policy options from several different insurance companies. 

Where can RVers in Pennsylvania find RV insurance?

If you need help insuring an RV or similar vehicle that’s registered in Pennsylvania, reach out to the independent insurance agents at Acri Insurance Agency. Our agents will make sure you find RV insurance that’ll protect your motorhome well.