RV insurance will cover similar risks as auto insurance, such as liability and property damage. Additional coverage options may be offered for comprehensive, collision and protection of personal belongings and equipment that are on board the RV. However, there are special considerations when choosing RV insurance. The right coverage will give you the protection that you need, without requiring you to pay for what you don't need.
It really depends on the type of RV that you own. If you own a motorized RV in the state of Pennsylvania, state law mandates that you have at least the minimum required insurance on the vehicle. However, RVs fall into several different classes and the insurance requirements will differ based on the type of RV. If the RV is towable, such as a fifth wheel or a travel trailer, the liability will generally extend from the towing vehicle. Conversely, you may want to add physical damage coverage if the RV has any value. If you have a loan for the RV, the lender may require you to have physical damage coverage.
There are standard coverages for RVs such as liability, property damage, comprehensive, collision, medical payments and uninsured/underinsured motorist. There are also optional coverages that you may want to consider, depending on the type of RV. Those coverages include, but are not limited to, custom equipment, awning replacement, vacation liability and roadside assistance.
Call our offices in Washington, 724-222-3690 or Uniontown, 724-437-7147, to discuss the correct RV coverage for your individual situation.