RV Insurance That Covers the Whole Rig — Not Just What Your Auto Policy Misses

Most RV owners in Wilkes-Barre and across NEPA assume their existing auto insurance has them covered. It doesn't — and finding out the hard way is an expensive lesson we'd rather help you avoid.

Your Auto Policy Stops Where Your RV Begins

Pennsylvania requires liability insurance on any registered motorized RV — but your auto policy doesn't cover the living quarters, the contents, or the trailer hitched behind your truck. Whether you drive a Class A motorhome or tow a 5th wheel, you need recreational vehicle coverage built specifically for how an RV works.

 

Here's what a dedicated RV insurance policy can include:

 

  • Collision and comprehensive coverage for the vehicle itself
  • Liability coverage for accidents on the road or at the campground
  • Personal belongings coverage for gear, electronics, and valuables stored inside
  • Emergency expense coverage if you're stranded far from home
  • Campground liability for incidents at your site
  • Roadside assistance and towing

 

If you're pulling a travel trailer or 5th wheel, your auto policy covers the tow vehicle — but the moment that trailer is unhitched, it's on its own. A separate policy closes that gap before it costs you.

Why Wilkes-Barre Campers Work With Abraham Hobson Insurance

As an independent agency with 20+ years serving Wilkes-Barre and the greater NEPA region, we shop multiple carriers to find the right combination of coverage and price for your specific rig and how you use it. You won't sit on hold or get routed to a call center. You reach Abe directly — by phone or text, including after hours — and get a straight answer about what your policy actually covers.

 

We also offer personal insurance coverage across the board, so if you want to bundle your RV policy with your auto or homeowners coverage, we can look at the full picture at once.

RV Insurance Questions We Hear All the Time

  • What’s the difference between limited tort and full tort in Pennsylvania?

    Limited tort usually lowers your premium but limits your ability to sue for pain and suffering after certain accidents. Full tort gives you broader legal rights if you’re injured in a crash. A lot of drivers choose limited tort to save money without fully understanding how it could affect them later. We help explain both options clearly so you can choose what makes the most sense for your situation and comfort level.

  • How much auto insurance coverage do I actually need?

    The right amount depends on your vehicle, assets, driving habits, and how much financial protection you want after an accident. State minimum coverage may satisfy legal requirements, but it often leaves drivers exposed in larger claims. Many clients choose higher liability limits, uninsured motorist coverage, or comprehensive protection for added peace of mind. Our agency helps you compare options and avoid paying for coverage you don’t truly need.

  • Can a local insurance agency help me save money on car insurance?

    Yes, especially when the agency can compare rates from multiple insurance carriers instead of offering only one option. As an independent agency, we shop around to help drivers find competitive pricing and available discounts. Bundling auto with homeowners or renters insurance, maintaining a clean driving record, and insuring multiple vehicles can all help reduce costs. We focus on finding value, not just the cheapest policy possible.

  • Why is car insurance important in Northeastern Pennsylvania?

    Local drivers deal with unique conditions throughout the year including icy winter roads, heavy rain, deer crossings, and busy traffic corridors like Route 309 and the Cross Valley Expressway. Luzerne County also sees serious accidents every year, which makes having reliable coverage especially important. Good insurance helps protect your finances when unexpected situations happen. Having a local agency involved also makes it easier to get help when claims or questions come up.

  • What happens if I need to file a claim after an accident?

    Instead of dealing with a national call center that doesn’t know your situation, you can contact our office directly for guidance and support. We help clients understand the claims process, answer questions, and communicate with the insurance carrier when needed. Having a local team involved can make a stressful situation feel much more manageable. Our goal is to help you feel supported before, during, and after a claim.

Coverage Built Around How You Actually Use Your RV

Not every camper uses their rig the same way. We shop multiple carriers to find a policy that fits your situation — whether you're out every weekend from May to October or living in your motorhome full-time.

Seasonal and Part-Time Campers

If your RV spends the winter in storage, you shouldn't pay full-coverage rates year-round. A lay-up or storage endorsement reduces your premium during the off-season months when the rig isn't on the road. In NEPA, where the camping season runs roughly May through October, this can add up to real savings without leaving you exposed when it counts.

Full-Time RV Living

Full-timers need a policy that goes beyond standard auto-style coverage. Because your motorhome is also your home, you need personal property protection and personal liability coverage similar to what a homeowners policy provides. We'll make sure your policy reflects how you actually live — not just how you drive.

All RV Types Covered

We write policies for the full range of recreational vehicles:

 

  • Class A, B, and C motorhomes
  • Travel trailers and 5th wheels
  • Pop-up campers
  • Truck campers

 

Whatever you're camping in, we can find coverage that fits.