RV Insurance in Pennsylvania

RV insurance in Pennsylvania is like auto and home insurance. We insure RVs like other motor vehicles, yet cover the interior and contents like a home insurance policy. Your options depend on how you use your RV and your preferences.

The Daniel Fitzsimmons Agency team, serving Dresher, PA, will happily help find the right policy for your needs.

RV Insurance Resembling Auto Insurance

Some aspects of RV coverage look much like an auto policy. For example, Pennsylvania law requires RV owners to carry the following minimum coverage:

• $15,000 for the injury or death of one person in an accident and $30,000 for more than one person
• $5,000 for damage to another person's property

Typical RV policies also cover or offer bodily injury coverage and underinsured motorist coverage. Other auto-like optional coverages include:

• Collision: Damage to your vehicle due to an accident
• Comprehensive: Damage due to hail, vandalism, or other non-collision incidents
• Roadside assistance: RVs exceed the size limits of auto towing packages, so you can add this coverage or pay out-of-pocket.

RV Insurance Resembling Home Insurance

Because your RV functions like a home on wheels and contains personal and household goods, coverage similar to home insurance is also advisable. RV policies often include:

• Full-Time RV coverage: Home policies generally do not cover RV-related liabilities if you spend more than 150 nights per year in your RV.
• Personal Property Extension: RVs with satellite dishes, appliances, and computers often exceed the base coverage limits for personal property limits.

Other options include total loss replacement, vacation liability, emergency expenses, and loss assessment (if you spend time in an RV community).

The Daniel Fitzsimmons Agency Difference

RV insurance in Pennsylvania involves making plenty of choices, so you want to work with a trusted insurance team. Our Daniel Fitzsimmons Agency team, serving Dresher, PA, will ensure your RV and other insurance policies fit your needs, providing peace of mind knowing you have protection for yourself and your family.