RV INSURANCE FOR THE ROAD… IN OHIO AND BEYOND

Recreational Vehicle (RV) owners are a special breed, especially here in Ohio. Like most RV owners, Ohio RV owners love to take to the highway because they know traveling is more than just a means to get from point "A" to point "B." But here in Ohio, RV owners have to consider winter weather and bad road conditions when thinking about RV insurance.

Insurance aside, RV owners know the journey means as much as the destination.

While RV fans enjoy being on the road and getting away, many mistakenly assume that RV insurance is about the same as car insurance.

In fact, if you don't have proper insurance for your RV, you may face financial hardship if you should have an accident.

What Is RV Insurance? 
RV insurance helps provide a layer of financial protection from property and liability claims. There are a few different types of coverage available. Your agent can help you determine which coverages are right for you.  

What Does RV Insurance Cover? 
The type of coverage you should have depends on your specific needs. You want to consider these coverages for your RV insurance: 

• Campsite and vacation coverage may protect you if someone else is injured or their property is damaged by your RV while at a campsite or on vacation. 
• Collision insurance may cover damage to your RV after an accident.
• Comprehensive insurance may pay for vehicle damage from non-accident mishaps, such as weather damage.
• Full-time residence insurance may be beneficial if you permanently live in your RV. 
• Liability insurance might cover you against damage you cause to others if you are at fault in an accident.
  • Bodily injury liability coverage may pay for their medical bills (and, in some cases, deaths).
  • Property damage liability may pay for damage to the other driver’s property, such as their vehicle.
• Medical payments coverage may pay your and your passengers’ medical bills for injuries sustained in an RV-related accident.
• Uninsured/underinsured insurance may cover you against damage caused by someone with inappropriate liability coverage. 

Other types of insurance coverage may also be helpful for your travels. For instance, if you plan to use your RV as a temporary vacation home, you may want to consider: 

• Emergency expenses may help pay your temporary living or travel expenses if your RV becomes disabled due to a covered incident.
• Equipment and attached accessories might cover additional equipment such as satellite dishes or attached awnings.
• Personal belongings may cover personal property kept in your RV.
• Towing and roadside coverage may pay for towing services or roadside assistance. 

What Does RV Insurance Cost? 
The cost of your RV insurance depends on the type of recreational vehicle, the amount of use and your driving experience. Other factors may also affect your premium. We can create an RV policy that meets your unique needs—give us a call today to learn more. 

Stay Safe on Your Travels 
Wherever the road takes you, we can ensure you have the protection you need. Call The Insurance Pad, LLC for help with your personalized RV coverage. Call us at 216-464-3333 to get started on your policy. 

 

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