Do You Need to Have RV Insurance?

If you drive an RV, insurance is necessary for Pennsylvania. If you are financing your RV, you may need to purchase additional coverage, such as comprehensive or collision insurance.

Coverage Options

The type of RV insurance you get in Northeastern, PA will depend on whether you live in your RV full time, or if you only use it part of the year. If you are using it part-time, you can save a lot of money with a storage option that will suspend certain coverage types during the months when you are not using it. In this case, it’s important to still have coverage for fire, theft, or other damages that can occur while in storage. An agent at The Tyson Agency can help determine which coverage works for you.

Liability insurance is what is required in Pennsylvania and helps cover the costs of any injuries or damages if you are involved in an accident. Collision coverage will pay for damages that occur because of an accident. Comprehensive coverage will protect you for damage not related to an accident, such as theft or fire. Total loss replacement is crucial if you would be significantly impacted by the loss of the RV. This coverage will pay you for the full original price of the vehicle, instead of the depreciated value, if the loss of the RV occurs within the first five years of ownership. If you are using your RV at campsites for longer periods of time, vacation liability coverage can protect you if someone is injured at the campsite or injured in your RV while parked at the campsite. For those who travel with their RV frequently, emergency expense coverage can help if travel plans are disrupted, which can cover the cost of hotels and expenses until you can get on the road again.

If you live in your RV, you will want more coverage for your belongings, and this is known as personal property coverage. You can also insure additions to your RV, such as an awning or grill.

Contact The Tyson Agency, serving Northeastern, PA, to get a quote on RV insurance.