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Recreational Vehicle Insurance


Recreational Vehicle Insurance Information

Your personal RV is a motor vehicle like any other, but it’s also a residence and a campground when you need it to be. Plus, it requires skill and training to operate, and there are quite a few unique liabilities associated with taking to the road in these specialty vehicles. Rather than insuring your RV under a standard auto insurance policy, you will find that a customized RV policy is a better solution. 

At Gerhart, Hartman & Ritner Insurance, we believe in providing every client with a personalized experience from the moment they walk into our doors. It is that personalization and familiarity that will enable us to provide you with the most effective, affordable RV insurance policy for your needs. We proudly serve residents of Boyertown, Hill and the surrounding areas, and you can trust us to help you get the optimized coverage you deserve today. 

Call us at or request your free RV insurance quote today! 

The Benefits of RV Insurance 

RVs are incredibly expensive, and they are not immune to accident risks. Plus, they also face property damage risks when in use at campsites or other areas, and any such damage will represent value lost. You must insure the RV both as personal property and as a motor vehicle, and the right RV insurance policy will help you get those benefits.

RV insurance will include protection matching the driving and property risks associated with your vehicle. Some of the coverage you might need to carry includes: 

  • Liability Insurance: Insures you against damage you cause others if you are at-fault in a wreck. 
  • Bodily injury liability coverage pays for their medical bills (and in some cases deaths) 
  • Property damage liability coverage pays for damage to the other driver’s property, like their car. 
  • Collision Insurance: Covers damage to your own vehicle after a wreck. 
  • Comprehensive Insurance: Pays for vehicle damage from non-accident mishaps, like weather damage. 
  • Medical Coverage: Pays for your medical bills and those of your passengers. 
  • Uninsured/Underinsured Motorist Insurance: Insures you against damage caused by someone else who doesn’t have appropriate liability coverage.
  • Campsite/Vacation Coverage: Covers liabilities associated with using the RV as a vacation property.
  • Full-Time Residence Insurance: If you live in the RV permanently, turn to this coverage.  

Other coverage offers help for roadside assistance, rental car coverage, and expenses protection (for things like emergency hotel bills). 

You’ll want your coverage to protect the vehicle appropriately both during travel and stationary periods, and to get that policy solution, you must customize your plan with the help of your Gerhart, Hartman & Ritner Insurance expert. We know how to tailor your own protection to your advantage.