Ohio RV Insurance

Find the right RV insurance policy for you.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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When you hop in your RV and hit the road, you're ready for some fun. Maybe you're traveling to Columbus for tailgating and a Buckeye game, or to Cleveland for good times and tunes at the Rock and Roll Hall of Fame, or even down State Route 664 for some outdoor adventures at Old Man's Cave in Hocking Hills. No matter where you're headed in your RV, you can travel safely with the right Ohio RV insurance.

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The roads of Ohio are fun, but they can also be risky. When you travel, you want to have confidence that you're prepared in the event of an unforeseen mishap. RV insurance provides you that peace of mind.

RV or motorhome insurance is similar to car insurance, but it has some extra protections that are specific to RVs. Most states, including Ohio, require drivers to carry liability insurance. This coverage protects you from lawsuits and liability claims if you're at fault in a car accident. Currently, Ohio requires the following minimum coverage limits.

A new Ohio law will increase theses minimums starting December 22, 2013. Here are the new minimum coverage limits.

Most financial professionals agree that motorists should have more than the required minimum coverage and coverage limits. This can protect your home, assets, and future income from the expense of a substantial lawsuit following an accident.

Beyond liability insurance, you also need to protect yourself and your vehicle from uninsured motorists, underinsured motorists and property damage. Uninsured motorist coverage insures you in the event that you are in an accident with a driver who is not carrying the legally required insurance. Underinsured motorist is similar. It covers you if you're in accident with someone who has too little insurance to pay for the full extent of the damages to you or your vehicle.

You'll need two different coverages to protect your RV from damage in an accident. Collision pays for damage to your RV if you collide with any object other than an animal. "Other than collision," or comprehensive insurance, pays for damage to your RV caused by animals, falling objects, hail, vandalism or theft.

Many RV owners also use their motorhomes as vacation homes, so you may need additional coverage to protect yourself from the extra risks of living in your vehicle temporarily. Your RV coverage can provide the following protection:

If you use your RV as your permanent residence, you'll also need to carry full-timer RV coverage. With this coverage, you get risk protections found in a typical homeowners policy and more, such as:

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No matter what kind of RV, motorhome, or trailer you take on the road, there is likely an Ohio motorhome insurance policy to cover it. Here are examples of the types of RVs and motorhomes that are insurable:

Motorhome

Towable RVs

Before you get back on the road, make sure you have the Ohio RV insurance you need. A Trusted Choice agent can review your current policy and provide you additional coverage or new coverage options. An independent agent can compare hundreds of insurance companies, coverage options, and rates to find just the right coverage for you and your budget.

Now, who's ready to get their insurance problems solved?

Or talk to an agent now at (855) 372-0071