Monthly Archives: October 2025

RV & Camper Insurance: Does It Cover Accessories?

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Traveling in an RV is similar to taking your home on wheels, offering convenience and comfort. However, this unique lifestyle often requires additional insurance coverage. If you own an RV or camper in Bethlehem, PA, understanding your insurance options is essential.

Liability Coverage

Liability coverage is legally required for any vehicle you drive on the road, including RVs. If you own a pull-behind camper, your auto liability insurance may provide some coverage, but it might not be sufficient to cover damages if an incident involves another person’s RV.

Liability insurance does not cover items such as accessories or personal belongings. It only provides coverage for the other person’s vehicle and bodily injury if you are found at fault. To ensure comprehensive protection, consult with an agent at Saucon Insurance Agency to verify that your policy covers all aspects, including accessories for your RV or camper.

Accessory Coverage

Insurance companies consider several factors when determining coverage for RV accessories. Attached accessories, such as awnings or satellite dishes that are permanently connected to the RV, are typically covered under a comprehensive policy. Some companies offer specialized policies for attached accessories to ensure your coverage limits are sufficient to replace damaged items.

Detached accessories, such as camping gear or portable shade umbrellas stored inside the RV, are usually not included in standard policies. These items fall under the "personal belongings" category and require personal property coverage to be protected.

At Saucon Insurance Agency, we understand that your RV is more than just a vehicle. It serves as your home, and we can help you find a policy that provides adequate coverage for attached accessories and personal belongings. Contact us today to get started. We proudly serve the Bethlehem, PA area.

Does Boat Insurance Cover Passenger Injuries?

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Boat accidents can result in serious injuries, such as broken bones or head trauma, and may require months of costly therapy. If you own a boat in Bethlehem, PA, you might wonder whether your boat insurance can help cover these expenses.

Liability Coverage

Most boat owners carry at least liability coverage, which can help with medical costs and other damages when the accident is your fault. Liability policies typically cover damages to another person’s property or boat and may include medical coverage for passengers.

Some policies also offer uninsured coverage, which can help pay medical bills for your passengers if you are involved in an accident with another boat whose owner lacks sufficient insurance. However, coverage details vary by company. It is always a good idea to consult an agent at Saucon Insurance Agency to understand your policy before heading out on the water with passengers.

Medical Payments Coverage

Many insurance companies offer additional coverage that you can purchase to cover medical expenses, regardless of who is at fault. This type of coverage is particularly useful in the event of a boating accident for which you are responsible. It can help ensure you are not automatically sued for medical expenses and may even cover funeral costs.

Different companies may refer to this coverage by various names, but most offer it as an optional add-on to your liability policy. Some insurers also offer liability protection insurance, which provides financial protection against lawsuits resulting from injuries or accidents.

At Saucon Insurance Agency, we understand the importance of protecting yourself financially after an accident. Our experienced agents will work with you to ensure you have the right coverage. Contact us today to learn more. We proudly serve the Bethlehem, PA area.