Motor Home Insurance

Motor Home Insurance for Pennsylvania Travelers

Pennsylvania is practically built for RV life, from the Pocono Mountains to the Allegheny National Forest, and Hershey even hosts America's Largest RV Show every fall. Whether you take your motor home out for weekend trips or live in it full time, Baker Insurance Agency helps Pennsylvania RV owners find coverage that protects the vehicle, your belongings, and everyone riding along, from Philadelphia to Erie and everywhere between.

Pennsylvania's Motor Home Insurance Requirements

Because a motor home is self-propelled, Pennsylvania treats it like any other vehicle on the road. State law requires at least $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 in property damage liability before you can legally drive it on Pennsylvania roads. Most lenders financing a motor home will also require comprehensive and collision coverage until the loan is paid off.

Recreational Use vs. Full-Time Living Coverage

If you use your motor home for weekend getaways and seasonal trips, a recreational policy typically covers the vehicle, your personal belongings, and vacation liability while parked at a campground. If your motor home is your primary residence, you will need a full-timer policy that adds home-like protections, such as broader personal liability and coverage for attached accessories. We also help you consider total loss replacement coverage, so a totaled RV does not leave you starting over at a reduced payout.

Talk to an Agent About Your Motor Home

Whether you are hauling to Hershey for the show or heading out on a cross-country trip, your motor home deserves the right coverage. Contact us today to speak with a Pennsylvania insurance agent about protecting your motor home the right way.