RV Insurance

Your RV or camper isn't just a vehicle-it's your home on wheels. At The Mackrides Insurance Group, we help RV owners across Pennsylvania, from West Chester to the Pocono Mountains, find coverage that protects their motorhomes, travel trailers, and personal belongings. Whether you're hitting the open road or parked for the season, we'll make sure you're covered wherever adventure takes you.

Do I Need RV Insurance?

RV insurance goes beyond standard auto coverage because your recreational vehicle is part vehicle, part home. Here's why you need it:

Covers Both Driving & Living

Black and white illustration of a small camping trailer.

An RV policy protects you from accidents on the road and risks while parked or camping.

  • Liability for accidents and injuries
  • Coverage for interior damage or theft
  • Protects attached awnings, slide-outs, and more

Meets State Requirements

Line drawing of a recreational vehicle on a flat surface.

If your RV is motorized, liability coverage is required in Pennsylvania-just like a car.

  • Ensures compliance with state law
  • Helps avoid fines or legal trouble
  • Meets campground insurance requirements

Protects Your Belongings

A black and white icon of a camper van.

Many RV owners carry electronics, gear, and personal property that need coverage.

  • Replaces stolen or damaged belongings
  • Covers camping and travel accessories
  • Extends beyond what auto insurance covers

Provides Peace of Mind for Travel

A black and white line drawing of a travel trailer.

From weekend getaways to cross-country road trips, RV insurance helps you focus on the journey.

  • Confidence on highways and rural roads
  • Coverage for unexpected breakdowns or accidents
  • Affordable add-ons for roadside assistance

RV insurance policies combine auto and homeowners-style protections, including:

What Does RV Insurance Cover?

Liability Coverage

Covers injuries or property damage if you're at fault in an accident.

Collision Coverage

Repairs or replaces your RV after an accident, regardless of fault.

Comprehensive Coverage

Protects against theft, fire, storm damage, or falling objects.

Personal Property Coverage

Covers electronics, appliances, and belongings stored inside the RV.

Vacation Liability Coverage

Protects you if someone is injured while your RV is parked at a campsite.

Understanding RV Insurance Options

We'll help you customize your policy to fit how you use your RV:

  • Motorhomes vs. Towable Trailers - Different coverage needs based on RV type.
  • Full-Timers Insurance - For those who use their RV as a primary residence.
  • Seasonal Coverage - Lower-cost policies when your RV is stored for the winter.
  • Roadside Assistance Add-Ons - Towing, jump-starts, and emergency services when you're on the go.

Frequently Asked Questions

  • Is RV insurance required in Pennsylvania?

    If your RV is motorized, yes. Towable campers may not require insurance but are still recommended for full protection.

  • Does my auto policy cover my RV?

    Typically, no. RVs need specialized coverage due to their size, value, and living space features.

  • Can I insure my RV seasonally?

    Yes. We can build policies that provide full coverage only during the months you use your RV.

  • Does RV insurance cover personal belongings?

    Yes, most policies offer personal property coverage, but we can add extra protection if needed.

  • What discounts are available for RV insurance?

    You can save by bundling with home or auto, taking RV safety courses, or maintaining a clean driving record.

Get the Right Coverage for Your RV

We're proud to serve RV owners throughout Pennsylvania, helping them enjoy the road with confidence. Let's build a policy that fits your travel plans and budget.