Recreational Vehicle Insurance in Pittsburgh, PA
As a recreational vehicle (RV) owner, you can enjoy exciting opportunities to explore the world and travel the open road. However, campers, motorhomes, trailers and other RVs represent significant investments that must be covered by adequate recreational vehicle insurance. After all, even the most experienced and diligent RV owners may be unable to avoid every incident, and lacking appropriate coverage could incur significant financial consequences.
How Does RV Insurance Work? 
Your RV insurance policy establishes a legal agreement between you and your insurer. In exchange for your premium payments, your insurance company agrees to provide financial assistance in response to covered incidents. Adequate coverage can thus be crucial in limiting out-of-pocket losses and expenses and ensuring you can repair and maintain your vehicle or otherwise manage the financial implications of RV-related incidents.
What Makes Recreational Vehicle Coverage Different Than Automobile Coverage?
While RVs owning and operating an RV may require you to account for many of the same inherent risks and perils as a standard, everyday car, these large vehicles also include many additional exposures, such as those pertaining to their status as temporary or permanent residences. With this in mind, you may wish to retain the following features in your RV insurance policy:
- Full coverage RV insurance can help financially protect motorists who use their RVs as their primary residences, often including coverage for third-party losses occurring in or around your vehicle while parked.
- Storage coverage may offer cost-effective coverage while your RV is parked for extended periods of time, such as during the offseason or between trips.
- Contents coverage can provide financial protection for belongings stored or transported in your RV, including electronics, furniture and camping equipment.
Is RV Insurance Worth it?
The right recreational vehicle insurance covers many potential incidents and perils that could affect your vehicle and, by extension, your financial interests. Furthermore, the law generally requires you to at least retain specific coverage, such as for third-party bodily injuries and property damage. As such, investing in adequate RV insurance may ensure you are positioned to recover from accidents and other incidents that might otherwise incur extensive out-of-pocket losses while also helping you avoid noncompliance fines and penalties.
We’re Here to Help
Serving the coverage needs of motorists, families and businesses since 1960, the experienced team at Neofes Insurance Group LLC is well-positioned to help you secure ideal and affordable RV insurance. Contact us today to learn more or to get a customized RV insurance quote.