Grove Financial & Associates, Inc

350 S Sporting Hill Rd
Mechanicsburg, PA 17050

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My RV doesnt have a motor. Am I required to carry RV insurance?

RV owners must follow the exact insurance requirements as owners of other vehicles. The type of RV determines which laws apply. The rules that govern RV owners are usually based on whether the RV is motorized, and the weight can also affect insurance requirements. At Grove Financial & Associates Inc. in Mechanicsville, PA, we are dedicated to assisting Pennsylvania RV owners in comprehending RV insurance and obtaining the necessary coverage. 

What are Pennsylvania’s RV insurance requirements? 

Pennsylvania’s law says all drivers must have liability insurance. This includes RVs and all motorized Class A, B, and C motor homes. Drivers need to have liability coverage in the amount of at least $15,000 for bodily injury and death per person. Drivers must also carry liability coverage for $30,000 if more than one person is injured or killed in an accident. Personal liability coverage for property damage for at least $5,000 is also required.  

Am I required to carry RV insurance?

No. If your RV isn’t motorized, you’re not legally required to carry RV insurance in Pennsylvania. However, if you are leasing or financing your RV, the loan company or lessor may require you to carry RV insurance. This is an insurance policy for the loan company if something happens to the RV before it’s paid in full. If you have auto insurance, your policy may cover small towable trailers. However, weight requirements may govern whether your RV would be eligible for this type of coverage. Also, RV insurance may be a good investment if you lack the finances to pay for damage or unexpected circumstances involving your RV. If you have more questions about RV insurance, call us. We’d be happy to help you explore your options. 

Why it may be time to upgrade your RV insurance policy

Grove Financial & Associates Inc can help residents in the greater Mechanicsburg, PA area with all of their insurance needs. If you have questions about protecting your RV, give us a call or stop by the office today!

Is it time to upgrade your RV insurance policy?

Owning an RV is a great way to explore our country and spend quality time with friends and family. Making sure that you have adequate insurance is an important part of responsible RV ownership.

The type and amount of insurance that you will need can vary depending on how you use your RV. Folks that are road warriors and take off for months at a time will usually require a different policy than the family that parks their RV in a park or campground all summer long.

How and where you store the vehicle can also have an impact on your insurance needs. If the way that you use or store your RV has recently changed, it’s a smart idea to review your insurance policy. Taking the time now to make sure that you have the right type of protection in the right amount can save you from a lot of headaches down the road.

It is always a good idea to review all of your insurance policies on a regular basis. Let us help you ensure that your RV insurance provides the protection you need now and in the immediate future.

We look forward to seeing you soon!

If you live in Mechanicsburg, PA or the surrounding area, the team at Grove Financial & Associates Inc is here to meet all of your insurance needs. Contact our office today with any questions that you may have. We are here to help!

Optional RV insurance coverages to consider if you’re a frequent traveler

Booking expensive flights and lining up for rental cars and hotels is a thing of the past for many Mechanicsburg, PA travel enthusiasts.  Recreational vehicles (RV) don’t need a lot of planning, and the best part is that you have Grove Financial & Associates Inc to help you find the best RV insurance to protect your massive investment. RV insurance is generally mandatory in most states and comes with primary and optional coverages. If you’re curious to know some of the best optional coverages to add to your policy?  This post is for you. 

Roadside assistance

Any traveler will definitely need roadside assistance at some point. The company helps connect you to the nearest repair facility in Mechanicsburg PA or sends their team to repair the vehicle onsite if it is too far from the road or highway.

Total loss replacement 

If your RV is damaged beyond repair and is totaled in an accident, your insurance company will get you a brand new one if you get this coverage. It’s an excellent backup plan if you never want to lose your travel companion.  The company will get you a brand new model or even more recent and better even if it costs more than you originally paid. If you prefer to be reimbursed in form of money, the company can pay the original purchase price.

Replacement of personal effects

If you are a long-distance traveler, the chances are that you carry a lot of valuables with you in your RV, such as your laptop, camera and jewelry. If the vehicle is stolen with your personal items inside, this coverage can help replace them up to the agreed limit. 

Vacation liability

Vacation liability helps pay legal fees associated with bodily injury or property damage that happens around or in your RV. If you have comprehensive and collision coverages, this coverage is automatically included at no additional costs in most policies.

Get the right additional RV insurance policies and upgrade your traveling experience. If you have any questions or need more guidance, Grove Financial & Associates Inc is the company to contact.

Will goods being transported by my trailer be covered by RV insurance?

When it comes to traveling trailer, we often ask ourselves if RV insurance covers damages in an accident. Towing with a trailer often poses both rewards and risks. As we all know, these rewards include the ability to experience outdoor activities while trailer risks revolve around truck accidents.

As a trailer owner, it’s essential to understand what will be covered under RV insurance. Having RV insurance gives you peace of mind when towing a trailer. Traveling should be fun and worry-free. While you can’t anticipate everything in your way, having an insurance policy at your disposal is an incredible way to ensure that your experience can continue rolling on regardless of what is tossed in your direction.

At Grove Financial & Associates Inc., our knowledgeable agents enlighten our potential customers from Mechanicsburg, PA on different insurance policies, including whether RV insurance will cover damages on goods transported by my trailer.

The Type of Coverage RV insurance will cover.

Above all, different types of RV insurance provide different coverage for your trailer. There’s plenty of RV insurance coverage available. As highlighted below, you will have some coverage from the RV insurance policy for your goods on your trailer.

Collision Coverage

This insurance policy covers your trailer and goods damaged in case of an accident. This insurance coverage generally covers the physical damage of the vehicle and the goods inside it.

Liability Coverage

If you are at fault for an accident, liability coverage covers you from the expenses related to other individuals in an accident. This insurance policy acts as a third party liability, which includes any cases recorded by another driver. If your vehicle hits other vehicles, property, or individuals, you will be responsible for all the expenses associated with damage and injury.

Medical Payments Coverage

This insurance coverage covers clinical expenditures related to injuries you sustain in an accident.

Start your journey towards a successful RV insurance policy by giving us a call at Grove Financial & Associates Inc. in Mechanicsburg, PA today. Our agents will be more than ready to assist you.

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