Owning a recreational vehicle (RV) gives you the freedom to explore on your schedule without giving up the comforts of home. However, they’re also the largest, heaviest consumer vehicles on the road, which means they need specialized insurance to protect against a broader range of risks. If you’re buying your first RV, below are answers to a few common questions you might have about buying insurance.
A Guide to RV Insurance
Does the law require insurance?
Every state requires every motorized vehicle on the road to have insurance, and RVs are no exception. In Ohio, you must carry at least $25,000 in coverage per person with a minimum of $50,000 total for each accident, along with a minimum of $25,000 in property damage coverage.
Are the minimum liability limits enough?
An RV’s weight and size often translates to more damage in an accident, which can quickly exceed the limits of a policy with minimal coverage. To protect yourself against expensive personal injury lawsuits, most agents recommend carrying liability coverage equal to the value of all your assets combined.
Do you need comprehensive & collision coverage?
If you financed your RV, your lender would probably require both comprehensive and collision coverage. However, even if you own the vehicle outright, these policies provide valuable protection, including repairs after an accident and compensation if it’s stolen or vandalized.
Do all RVs need insurance?
Every RV should have an individual insurance policy. However, single-axle trailers that are towed by another vehicle will usually be included by your auto policy whenever you’re on the road.
If you are looking for coverage, 1st Choice Insurance offers excellent service to RV drivers throughout the Fairfield, OH, area. Their independent agents take the time to compare options from a variety of carriers, ensuring you get coverage at the best price possible. Visit their website for more information on their services, or call (513) 860-0666 to request your free quote.