Recreational Vehicle Insurance for Pennsylvania Adventurers
Recreational Vehicle Insurance
Protection for your RVs, campers, boats, and toys—designed for families and adventurers across Lancaster, New Holland, York, Harrisburg, and beyond.
Recreational vehicle insurance helps protect the fun things you work hard to enjoy—RVs, travel trailers, motorhomes, boats, and more—when something goes wrong on the road or on the water. The right coverage can help with injuries, damage to your recreational vehicle, and liability if you’re responsible for an accident. Community Insurance works with clients throughout Lancaster County and across Pennsylvania to build RV and recreational vehicle coverage that fits real adventures, not just the bare minimum. We’ll help you understand your options, compare carriers, and choose protection that reflects what you own, how you use it, and where you travel.
Motorhomes & RVs (Class A, B & C)
Policies for drivable RVs and motorhomes can combine auto-style liability coverage with physical damage protection for the coach itself. Coverage can help pay for repairs, replacement, and liability costs if you’re involved in an accident while driving your RV.
Travel Trailers, Fifth-Wheels & Campers
Towable RVs—like travel trailers, fifth-wheels, and truck campers—need protection for the unit itself, separate from the vehicle that tows them. Recreational vehicle insurance can help cover damage from collisions, theft, vandalism, and certain weather-related losses, subject to policy terms.
Boats & Personal Watercraft (Optional)
Many recreational vehicle programs can extend to boats and personal watercraft, helping protect you for on-the-water liability as well as damage to the vessel. We’ll help you look at options for runabouts, pontoons, small sailboats, and certain types of personal watercraft if they’re part of your lifestyle.
Off-Road Vehicles & Toys (Optional)
ATVs, UTVs, and similar off-road vehicles often need their own policies. Coverage can help with liability and physical damage when you use these vehicles on trails, private property, or designated riding areas—depending on your policy. We’ll talk through how and where you ride so coverage matches reality.
Physical Damage: Comprehensive & Collision
Comprehensive coverage helps protect your RV or recreational vehicle from non-collision losses like theft, fire, vandalism, and certain weather damage, while collision coverage addresses damage from accidents with other vehicles or objects. Together, they help safeguard the significant investment you’ve made in your RV or toys.
Liability, Medical Payments & Other Protections
Liability coverage helps protect you if your recreational vehicle use causes injury or property damage to others. Depending on the policy, you may also be able to add medical payments coverage, coverage for personal belongings kept in your RV, vacation liability when parked at a campsite, and roadside assistance. We’ll walk through what’s available and what makes sense for you.
Who Typically Needs Recreational Vehicle Coverage
Recreational vehicle insurance is important for anyone who owns and uses RVs, campers, or other recreational units for travel and leisure. While some basic coverage may extend from your auto or home policy in limited situations, dedicated RV and recreational vehicle coverage is often the best way to properly protect your investment and your liability.
Common Owners Who Rely on Recreational Vehicle Insurance
- Families with travel trailers or fifth-wheel campers
- Motorhome and RV owners who travel regionally or across the country
- Seasonal campers who spend extended time at campgrounds or RV parks
- Boat owners who want on-the-water liability and physical damage coverage
- Owners of ATVs, UTVs, and other off-road vehicles used for recreation
- Retirees traveling in RVs throughout Pennsylvania and beyond
- Households that keep significant personal belongings in their RV or camper
Every setup is different—what you own, where you store it, and how often you use it all play a role. We’ll help you understand what coverage you really need so you’re not relying on assumptions or partial protection.
Our Process for Designing Recreational Vehicle Insurance
Instead of treating your RV, camper, or boat like just another vehicle, we take time to understand how you travel, where you go, and what you bring along. Then we work with carriers that understand recreational risks to build a policy that fits your adventures.
Learn What You Own & How You Use It
We start with a conversation about your RV, trailer, boat, or off-road vehicles, where you store them, and how often and how far you travel.
Review Current Coverage (If Any)
We look at your existing auto and home policies—as well as any specialty policies—to see what’s already covered and where there may be gaps.
Compare Multiple RV & Toy Carriers
As an independent agency, we shop several companies that write recreational vehicle insurance to compare pricing, coverage options, and available discounts.
Fine-Tune Limits, Deductibles & Add-Ons
We walk through your options in plain language, adjusting liability limits, physical damage deductibles, and optional coverages (like roadside, personal effects, or vacation liability) to match your needs and budget.
Implement & Support
Once your policy is in place, we’re here for ID cards, seasonal use questions, changes when you upgrade or add units, and claims support whenever something happens on the road, at the campsite, or on the water.
How Recreational Vehicle Coverage Fits with Auto, Home, and Umbrella
Recreational vehicle insurance works alongside your auto and home policies—not instead of them. Your auto policy may provide limited coverage while you’re towing a trailer, and your homeowners policy may cover certain personal belongings inside your RV or camper, but neither is designed to fully insure the recreational vehicle itself. A dedicated RV or recreational vehicle policy can address those gaps. A personal umbrella policy can sometimes add extra liability protection over both your auto and recreational vehicle policies, depending on how they’re structured. We’ll help you see how everything fits together so your vehicles, your belongings, and your liability are covered in a coordinated way.
Recreational Vehicle Insurance - Commonly Asked Questions
Frequently Asked Questions
Doesn’t my auto insurance cover my RV or travel trailer?
Your auto policy may provide some liability coverage while you’re towing a trailer, but it typically doesn’t cover physical damage to the trailer itself. Motorhomes and drivable RVs usually need their own policies, similar to how motorcycles do. We’ll review your current auto coverage and explain where dedicated recreational vehicle insurance is needed.
Is my personal property inside the RV covered?
Some recreational vehicle policies offer limited coverage for personal belongings kept in the RV or camper, and your homeowners or renters policy may also provide some protection—subject to deductibles and policy terms. We’ll help you understand how your belongings are covered and whether you need additional limits or endorsements.
Do I need year-round coverage if I only use my RV seasonally?
In many cases, yes. Even when your RV or trailer is in storage, it can still be damaged by fire, theft, vandalism, or certain weather events. Some carriers offer flexible options for seasonal use, but it’s important to keep at least basic coverage in place year-round. We’ll talk through how and when you use your RV and explore sensible approaches.
Can I get coverage if I take my RV out of state?
Generally, yes. Most recreational vehicle policies are designed with interstate travel in mind. If you plan to travel long distances, visit multiple states, or go out of the country, let us know—so we can review any special requirements or limitations that might apply.
Are there discounts available for recreational vehicle insurance?
Often, yes. Depending on the carrier, discounts may be available for safe driving, completion of approved safety courses, responsible storage, multi-vehicle or multi-policy bundles, and certain safety features. We’ll look for available credits so you can get strong coverage at a competitive price.
Ready to Protect the Fun Side of Life?
Whether you’re taking a motorhome across Pennsylvania, weekend camping with a travel trailer near Lancaster and New Holland, or enjoying a boat or ATV anywhere in the region, the right recreational vehicle insurance can help you relax and enjoy the journey. Community Insurance is here to help you build coverage that fits your RVs, campers, and toys—as well as your budget and your adventures.