RVs in Pennsylvania are required by law to have liability coverage in the amount of $15,000 per person for bodily injury, $30,000 per wreck, and $5,000 to cover property damage. Typically, a lender will hold you responsible for purchasing full coverage indemnification while there is a balance on your vehicle.
How Does RV Insurance Work?
Pennsylvania is a no-fault state, meaning each person buys insurance to pay for their own medical expenses, lost wages, disabilities, or car repairs. This means you are not automatically responsible for another party’s property damage or medical expenses, and a Northeast Insurance Advisors LLC representative can give more specific information as pertains to your situation.
Comprehensive coverage is available to help protect against other situations, such as fire, as RVs can often be very expensive to fix or replace. In addition, RVs are sometimes subject to perils that more closely resemble that of a homeowner than a motorist. Vandalism, theft, or hail storms can also fall under this provision.
You can obtain insurance to cover your personal property, as you may opt to live in your RV for part of the year while traveling away from Easton, PA. In addition, you can opt to specifically include permanent upgrades you have made to your vehicle in your coverage.
Just like with an automobile, you can purchase collision coverage, and this will pay for costs incurred when you come into contact with an object, such as a car, light post, or guardrail. Additionally, you can even safeguard your pet’s expenses in the event they are present and injured during an accident.
We Can Meet Your Needs
Your RV insurance requirements will depend on a variety of facts, and Northeast Insurance Advisors LLC can tailor an insurance package to meet those parameters. Speak to us on the phone, by visiting our office in Easton, PA, or by reaching out online, and let us work for you.