What to look for when buying RV insurance in Ohio

July 24, 2014

Ohio RV insurance

RVing is a great way for adventurers to see the country. But before heading out, make sure you have the right protection for the unexpected bumps ahead.

Although an RV is a road vehicle, the insurance coverage needed is typically different than that of regular auto coverage. RV coverage is often a unique combination of auto and homeowners insurance.

Basic Coverage Options in Ohio

RV insurance plans have many varying factors, often many more than with standard auto insurances policies.

These are the most common types of RV coverage you’ll come across:

  • Bodily and property damage liability
  • Personal injury protection
  • Property protection
  • Collision
  • Limited property damage
  • Comprehensive

The preceding coverages can vary based on how frequently the RV is operating — full-time or part-time.

Full-time users generally should always have coverage for personal injuries and liability. Part-time users have the option of suspending some coverages, such as collision and liability, while the RV is not in use.

Other Coverage Options

As there are many levels and grades of RVs, there are a multitude of different coverage options that may be appealing to drivers based on their specific needs, such as:

  • Total loss replacement
  • Custom equipment
  • Roadside assistance
  • Vacation liability

For coverage that includes these special options, it is again very important to know and understand your class of vehicle.

RVs allow for a unique form of vacationing and travelling — a truly independent adventure. The coverage you choose for your vehicle can make all the difference.

For information on the coverage options mentioned above, contact a member of the Burkhart Insurance team today!

Photo Credit: CC Image Courtesy of Bruce Fingerhood

Our Featured Insurance Partners