Recreational Vehicle Insurance in Chadds Ford, PA

Recreational vehicle (RV) insurance may provide financial protection for damage, accidents and liability claims involving your RV. Without this type of policy, you could pay out-of-pocket for costly repairs, medical bills or lawsuits after an accident.

Is Coverage Mandatory in Pennsylvania?

Any motorized RV in Pennsylvania must have insurance. State law mandates a minimum level of liability coverage to cover bodily injury and property damage in case of an accident. If you have a towable trailer, an insured towing vehicle’s coverage may satisfy state requirements, but separate insurance may still be needed if your RV is financed or stored in certain facilities.

What Does RV Insurance Cover?

RV insurance policies may include the following standard features:

• Liability coverage may cover third-party injuries or property damage if you cause an accident.

• Collision coverage may pay for damage to your RV in a crash.

• Comprehensive coverage may cover fire, theft, windstorms and other damage unrelated to a collision.

• Uninsured/underinsured motorist coverage may help cover your losses if the at-fault driver lacks liability insurance.

• Medical payments coverage may pay for medical bills for you and your passengers following an accident.

RV policies often exclude coverage for mechanical breakdowns, routine maintenance, damage from

gradual wear and tear or personal items not specifically listed. Review your policy carefully to understand what is included and what is not.

What Riders Can I Add to My Policy?

Riders, also called endorsements, allow you to customize your policy with added coverage. Here are some common options:

• Full-time RV living coverage may cover those who use their RV as a primary residence.

• Vacation liability coverage may cover third-party injury or damage claims that occur while the RV is parked.

• Personal belongings coverage may help repair or replace electronics, kitchen appliances, camping gear and other possessions after a covered event.

• Roadside assistance coverage may provide towing, battery jump-starts or fuel delivery services if you get stranded.

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Speak to an insurance professional from Integrity Insurance Agency Inc to explore policies that fit your travel lifestyle and meet legal requirements in Pennsylvania. Contact us today for a free quote.