RV & Camper Insurance for Northeast Ohio Vehicle Owners

Liability Insurance: Covers damage or injury you cause to others while operating your RV. This is typically required by law.

Collision Insurance: Covers damage to your RV resulting from a collision with another vehicle or object.

Comprehensive Insurance: Protects against damage to your RV from non-collision incidents, such as theft, fire, vandalism, and natural disasters.

Uninsured/Underinsured Motorist Protection: Covers you in case you’re in an accident with someone who doesn’t have sufficient insurance.

Full-Timers Coverage: If you live in your RV full-time, this coverage acts similarly to homeowners insurance, offering protection for liability and personal property within the RV.

Vacation Liability: Offers liability coverage while your RV is parked and being used as a residence during trips.

Personal Property Coverage: Covers the belongings inside your RV against damage or loss.

Roadside Assistance: Provides services like towing, flat tire changes, and locksmith services.

Determine Your Use and Needs

• Frequency of Use: How often you use your RV and for what purpose (recreational trips vs. full-time living) can greatly influence the type and amount of coverage you need.
• RV Type and Value: The type (Class A, B, C, trailer, fifth wheel, etc.) and value of your RV will affect your insurance premiums and the type of coverage you should consider.
• Location and Travel Areas: Where you plan to travel and park your RV can impact your insurance needs. Certain areas may have higher risks of theft, natural disasters, or require additional liability coverage.

Shop Around and Compare Quotes

Get quotes from multiple insurance companies to compare coverage options and prices. Some insurers specialize in RV insurance and may offer better rates or more tailored coverage than others.

Look for Discounts

Many insurance companies offer discounts for things like being a safe driver, storing your RV in a secured location, installing safety devices, or bundling your RV insurance with other policies.

Consider Additional Coverage Options

• Replacement Cost Coverage: For newer RVs, this coverage can replace your RV with a new model if it’s totaled, without factoring in depreciation.
• Emergency Expense Coverage: Covers costs for lodging or travel if your RV is damaged during a trip.
• Attached Accessories Coverage: Covers external accessories such as awnings, satellite dishes, and other attachments.

Review and Understand Your Policy

Carefully review the terms, conditions, coverage limits, deductibles, and exclusions of your policy. Make sure you understand what is and isn’t covered, including any geographical restrictions or limitations on use.

Regularly Review and Update Your Coverage

Your RV insurance needs may change over time due to modifications to your RV, changes in how you use it, or changes in your personal circumstances. Review your policy annually or after significant changes to ensure your coverage remains adequate.