RV Insurance

RV Insurance for Elk County and Beyond

Owning a motorhome or recreational vehicle makes it much easier to enjoy the many parks, campgrounds, and natural wonders in the Keystone State. Whether you keep your RV close to home for short weekend getaways or have plans for a cross-country adventure, you should maintain sufficient insurance to protect your investment. Premier Elk County Insurance agents will work with you to find the best coverage to meet your needs.

Mandatory Pennsylvania Coverage

According to Pennsylvania law, you must carry the following minimum coverage:

• Bodily Injury Liability: Covers medical expenses others experience if an accident is your fault.
• Property Damage Liability: Pays to replace or repair property of others if damaged by accident.
• Medical Benefits Coverage: Covers your medical expenses regardless of fault if your RV gets into an accident.

You may insure an RV for recreational or personal use for up to 250 days each calendar year.

Pennsylvania law requires that you carry a minimum of $30,000 of liability coverage. Consider that you will be responsible for any settlements or legal fees in excess of that amount.

If you have secured a loan from a financial institution to pay for your RV, ensure that you have sufficient coverage to protect your assets if the RV suffers damage.

If your vehicle has a gross weight of over 26,001 pounds, be sure to obtain your Pennsylvania non-commercial Class B license.

Optional Coverage Available

In addition to the basic coverage, consider important options that offer additional protection. Here are some examples:

• 24-hour roadside assistance
• Camper liability (covers like it is your house)
• Coverage for those who live in their RV full time
• Coverage for total loss of your vehicle
• Coverage for contents within your RV
• Additional bodily injury liability
• Additional property damage liability

Contact Us Today!

Contact Premier Elk County Insurance to discuss your options for RV insurance.