Recreational vehicles (RV) open the door to a world of adventure; they’re also vulnerable to substantial damage in accidents, significant storms, and other serious events. If you own an RV, a well-crafted insurance policy is essential for protecting the value of your investment and shielding yourself from lawsuits. Below are a few common questions new owners often have about RV coverage.

FAQ About RV Insurance

How much insurance do I need?

Every state requires drivers to carry coverage to protect other motorists. In Ohio, every registered vehicle must have at least $50,000 in personal injury coverage and $25,000 for property damage. However, the large size of most RVs means they can cause severe damage in an accident, so most experts recommend extending the liability limits of your policy.

Should I cancel my policy during the winter?

Canceling your RV insurance when you’re not using the vehicle may seem like a safe way to save money, but you may also lose the registration. Many insurance carriers allow you to reduce coverage during the winter months, but most factor the winter season in when calculating your premiums.

Do I need comprehensive or collision coverage?

If you financed your RV, your lender would likely require you to carry comprehensive and collision coverage. However, even if you own the vehicle outright, these coverage options will protect you from a wide range of risks, including property damage in an accident you cause, theft, inclement weather, and natural disasters.

How can I lower my insurance premiums?

Many carriers offer substantial discounts to RV owners, lowering your premiums without sacrificing coverage. For instance, taking a safe driving course, bundling your RV insurance with your home or auto policies, and storing your vehicle in a safe place all reduce the costs of coverage.

If you are exploring your options for RV insurance, 1st Choice Insurance of Greater Cincinnati, OH, specializes in delivering tailored coverage options at the best rates possible. Whether you need high-risk coverage or a motorcycle plan, their independent agents will compare your options to find a policy tailored to your unique situation. Visit their website for more on their wide range of services, or call (513) 860-0666 to request your free quote today.