RV travel has become a popular option for many families in the U.S. because it offers the freedom to enjoy the great outdoors and the convenience of many home amenities. Like other vehicles, your RV requires insurance, and various policy options are available. At Griffith Insurance LLP in West Chester, PA, we can help you determine the right RV insurance for your individual needs.

Many Factors Affect the Cost of Your RV Insurance

Several different factors will affect the cost of your RV insurance. The age and condition of the RV are considered, as well as how often you use the RV. You may be able to save on insurance if your RV is in storage for most of the year. You may want coverage for uninsured motorists, roadside assistance, medical payments if someone is injured in an accident, or the agreed value of your RV. You may decide to increase your coverage, depending on where you go with your RV and what you generally carry when you take it on the road.

You May Need Additional Types of Coverage

States require the same liability insurance coverage for RVs as cars. But you may need additional coverage for your vehicle. If you took out a loan to purchase your RV, the financial institution will probably require collision and comprehensive coverage to protect their interest. You may also want vacation coverage if you cause or sustain damage in a campground. Using your RV as a full-time home may require additional insurance, such as total replacement cost coverage.

Personal Possessions Requires Additional Coverage

Generally, your RV insurance policy does not cover the personal possessions you keep inside the vehicle. As a result, items such as sports equipment, electronics, clothing, and other items you carry will require additional coverage in case of loss. Possession coverage can save you many thousands of dollars in replacement costs. Coverage for possession is essential for those who use their RVs as a full-time home.

Make Griffith Insurance LLP Your Agent for RV Coverage in Pennsylvania

If you’re new to RV ownership, our experienced agents can answer any questions regarding appropriate vehicle coverage. Our West Chester, PA office offers a wide range of insurance products, including for life, health, home, auto, watercraft, and business. Contact Griffith Insurance LLP today for a no-obligation quote on RV insurance so you can be assured of proper coverage for all your travel adventures.

Like most people, you probably think that your RV insurance only covers you while driving your own vehicle. But what if you need to borrow or rent an RV while on vacation? Will your insurance policy still provide coverage, or do you need to purchase additional rental car insurance? Luckily, Griffith Insurance LLP is here to help. As one of the leading providers of RV insurance in West Chester, PA, we can help you understand precisely what your policy does and doesn’t cover.

One of the advantages of RV ownership is the ability to drive someone else’s vehicle. However, it’s essential to understand that your insurance policy may not provide coverage if you’re involved in an accident while driving someone else’s RV. So, what does this mean for you? If you’re planning to borrow or rent an RV while on vacation, you may need additional rental car insurance to protect yourself in an accident.

In most cases, RV insurance follows the vehicle, not the driver. So, your personal insurance policy will not provide coverage if you’re driving someone else’s RV. However, there are some exceptions.

You may be covered if the RV owner has added you to their policy as an additional driver. Or, if you have your RV insurance policy, it may provide coverage for you when driving someone else’s RV. Be sure to check with your insurance agent to be sure.

Before you hit the road on your next vacation, understand your RV insurance policy and what it covers. Griffith Insurance LLP in West Chester, PA is here to help if you have any questions. We can review your policy and ensure you have the coverage you need to protect yourself and your family while on vacation. Give us a call today!

When you have a motorhome in Pennsylvania, you want to enjoy every minute with it. Planning your journeys and going on trips, it’s all an adventure for you. Even so, no RV planning mission is complete without a little of stress when it comes to preparing for all the potential problems you could face on the roads.

At Griffith Insurance LLP, we want West Chester, PA RV owners to be prepared before they gas up for the summer. Follow these road safety trips for motorhome drivers, and get a little closer to the stress-free vacation of your dreams.

Avoid Speeding

When you have a motorhome, it is not your everyday use vehicle. The next time you get behind the wheel it may have been a long time since you were behind the wheel of your RV. 

Avoid speeding when you are on your road trip. Remember that your RV has a long braking distance that is much different from that in your car.

Know Your Height

Know the height of your vehicle before you get on the roads. Do your research before you go to look for any bridges or obstructions that you may be driving through.

You want to know how to plan your route here. Getting a GPS for the trip or installing one onto your smartphone will be helpful. You want to spot any height obstructions before you hit that section of the highway.

Don’t Drive in Wind

Driving in wind is especially dangerous for motorhome drivers. You have a large surface area to work with, and you won’t know how to correct the RV when a gust hits you, the same way you do in the car.

The safest thing to do here is to avoid driving in the wind. Always check your weather before you get behind the wheel. Distribute the weight in the RV evenly before you drive.

Get Roadside Assistance

Before you leave, check your Pennsylvania RV insurance policy and get roadside assistance added to it. At Griffith Insurance LLP, we want West Chester, PA RV owners to worry less when they are on the roads. Call us for a quote today.