We offer comprehensive motorhome insurance at The Hansen Agency LLC that provides complete protection tailored to your specific needs.
Pennsylvania law requires property and medical liability insurance coverage for all motorhomes and recommends collision and comprehensive coverage. Liability insurance protects you from any damages incurred in an accident. Your motorhome must have insurance coverage tailored specifically for RVs. Standard auto policies won't cover your motorhome because of its more significant risks compared with cars or trucks - even if you have comprehensive coverage on other kinds of vehicles.
In Pennsylvania, owners must have no-fault insurance, also known as personal injury protection (PIP). PIP covers things like medical bills and funeral expenses. No-fault means that you can access PIP benefits if you're injured in an accident, regardless of fault.
Two types of motorhome insurance are available: full replacement and actual cash value. Replacement value is the current value, not what you paid for the RV. Actual cash value is based on depreciation, meaning you get paid for the value of the camper at the time of loss. If you drive your RV year-round, you must insure it for actual cash value. This insurance covers your RV as well as any belongings inside.
If you only use your RV two or three times a year, you might only need seasonal coverage. Regardless of how often you use your motorhome, 24-hour roadside assistance is a recommended feature that provides great peace of mind while away from home. You can even add accident forgiveness and pet coverage to your policy.
At The Hansen Agency LLC, serving Eighty Four and Canonsburg, PA, we work with people we know and care about, and that means we constantly search for new and better ways to protect you. Reach out to an agent today, and we will assist you in locating the best coverage possible to help you protect what's most important.
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