Recreational Vehicle Insurance
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Recreational Vehicle Insurance Information
RV Insurance in Gahanna, Ohio
Driving a recreational vehicle (RV) is a fun way to see the country. Many RVs are costly investments, with some costing as much as a regular house. Because an RV is essentially your home on wheels, you must protect your investment with all your personal belongings.
Ohio roads are fun but can be risky when driving a large vehicle like an RV. It’s nice to know that you can have peace of mind with RV insurance when you travel.
What Is RV Insurance?
RV or motorhome insurance is like car insurance, but you gain some specific RV protections. In Ohio, drivers must carry liability insurance, which protects them from lawsuits and liability claims if they’re at fault in an accident. Beyond liability insurance, you want to protect yourself and your vehicle from uninsured motorists, underinsured motorists and property damage.
Uninsured motorist coverage insures you if you have an accident with a driver who doesn’t carry the required insurance. Underinsured motorist is similar and covers you if someone has too little insurance to pay for all the damages to you or your vehicle in an accident.
To protect your RV from damage in an accident, you’ll also want to add collision insurance. Collision coverage pays for damage to your RV if you collide with any object other than an animal. You should also add comprehensive insurance coverage that will pay for damage to your RV caused by animals, falling objects, hail, vandalism or theft.
What Other Coverage Should I Have?
Many RV owners also use their motorhomes as vacation homes. If you live in your vehicle temporarily, you may want to add coverage to protect against the additional risks of living in your RV. Additional protection to consider adding includes:
Campsite and vacation: This liability coverage helps cover you if someone else is injured or their property becomes damaged in some way when you’re using your RV on vacation or at a campsite.
Emergency expenses: This add-on may provide coverage for temporary living expenses or travel expenses if a covered event disables your RV.
Equipment and attached accessories: This coverage may help protect any extra equipment you may have, such as a satellite dish or awning attached to your RV.
Personal belongings: This coverage can help protect your personal property in your RV.
Towing and roadside: This coverage helps pay for towing services or roadside assistance.
What If My RV Is My Full-time Residence?
If your RV is your permanent residence, you need full-time RV coverage. This coverage may offer you similar risk protections found in a typical homeowners policy such as:
Loss assessment: Covers specific assessments from your participation as a tenant or property owner in an association
Medical payments to others: Covers medical payments to others for injuries incurred while in your RV
Personal liability: Pays liability claims and legal defense costs if someone suffers bodily injury or property damage on the premises of your RV
Storage shed contents: Covers your personal belongings while kept in a storage facility
How Much Does RV Insurance Cost?
The costs of your RV insurance will depend on a variety of factors. We can work together to determine what coverages you should have to determine the cost of your RV policy.
How We Can Help
It’s essential to know how you intend to use your RV when you purchase your insurance. At a minimum, you should have the required liability coverage. However, because an RV is more than a vehicle, you may want to supplement your RV policy with additional coverage options to protect your home and your belongings adequately.
Contact Slyman Insurance Group, 614-475-3583 or 937-382-7933 to get started on your RV insurance today.