An RV is not just a vehicle, it’s a lifestyle. Only 11% of American households own recreational vehicles (RVs). If you are one of those 11%, you must insure them with RV insurance against damage caused by a collision or accident.
Owning an RV means owning a moving home while having a lot of fun. RV owners in Ohio enjoy taking their vehicles out on the roads and highways. Considering the cold weather and poor road conditions in Ohio, RV owners must carry RV insurance to protect their motorhome against damage or bodily injury. Also, most states, including Ohio, have mandated liability insurance for drivers. So each RV owner in Ohio, in some way or the other, needs RV insurance. Many RVs cost as much as a home, so it is worth insuring them against any damage. Don’t think RV insurance is the same as car insurance. RV insurance acts as car insurance and home insurance as well, by protecting your motorhome body from the outside and the people and their luggage inside. If RV owners do not have proper insurance for their RV, they may face financial hardship if their RV meets an accident.
What types of RV need insurance?
There are many types of recreational vehicles (RVs) available on the market that come in different shapes and sizes. Whether you need to carry RV insurance or not depends on the type of RV you have.
Here is the list of some of the insurable RVs and motorhomes:
- Class A: These RVs look like large commercial buses.
- Class B: These vehicles resemble vans while having a ceiling so high that you can easily stand up inside.
- Class C: These are large vehicles made from trucks and vans.
Why take an RV insurance policy?
Your RV must be insured against the potential risks like collisions and road emergencies that you may face while heading to your destination. But when you are camping and park your RV somewhere, it serves you as your home, and you need to protect it against fire, theft, liability, and other disasters.
RV insurance is designed to protect the people and their luggage in the RV. With RV insurance, as your vehicle is larger than others, you get greater liability coverage than a standard car.
A typical RV insurance policy includes the following:
- Comprehensive coverage: If your RV gets damaged due to wind, fire, explosion, theft, or any other accident except collision, then you are eligible to get reimbursement under comprehensive coverage.
- Collision coverage: While operating your RV, if you collide with another vehicle or object accidentally, RV insurance under collision coverage provides compensation for the damage.
- Liability: Liability insurance covers the physical damage or injury that you may inadvertently cause to someone while driving your insured RV.
- Uninsured/Underinsured Motorist: This insurance covers the expenses of an accident where the driver does not carry an insurance policy.
- Medical payments: Medical payments cover the medical expenses of those who were present in the RV during the accident, no matter whose fault it was.
Apart from all these, you can also add a vacation liability policy to your RV insurance. When you go on a vacation or camping and use your parked RV as your temporary residence. In this case, the vacation liability policy protects you against any mishap that occurs in your parked RV.
A good insurance company like the Greer Agency offers you all these types of coverage. You can choose one or more options as per your needs and budget.
So what are you waiting for?
Protect your RV with one of the best insurance companies, the Greer Agency, and insure it against damage caused by unexpected events.
