Recreational Vehicle Insurance for Full-time Travelers: What Ohio RV Owners Need to Know

Living and traveling full-time in a camper, motorhome or other recreational vehicle (RV) can offer a unique lifestyle filled with adventure and freedom. However, this lifestyle may also come with specific recreational vehicle insurance needs and considerations to ensure your financial interests are protected on Ohio’s roads and at its campsites.

Assessing Coverage Needs for Full-time RV Residents

When assessing or revisiting your recreational vehicle insurance, consider the importance of the following coverage options:

• Comprehensive coverage—Comprehensive coverage is essential when your vehicle doubles as your home, as it may be constantly at the mercy of the world around it. Fires, severe weather, theft and vandalism could all be particularly impactful, necessitating appropriate coverage.
• Collision coverage—As you’re cruising down the road, you may eventually be involved in a crash with another vehicle, building, guardrail or other stationary object. In these situations, collision coverage can help pay for repairs. Even if your RV is currently parked, this coverage could be essential if someone else’s vehicle strikes it.
• Full-time liability coverage—Liability coverage is a must-have for anyone who owns or operates an RV, as it can cover you if you’re responsible for an accident that causes injury or property damage to others. However, coverage may be even more important if your vehicle acts as your permanent residence, as this can also financially protect you from incidents occurring in or around your home while parked.
• Personal property coverage—Since your RV serves as your home, it’s likely filled with personal belongings. Ensure your policy covers personal items such as electronics, clothing and kitchenware. This coverage can help replace your belongings if they are damaged or stolen.
• Roadside assistance coverage—Breakdowns and accidents can leave you stranded and, given your potentially nomadic lifestyle, you may be far from help. Fortunately, this coverage can help with towing, fuel delivery, tire changes and other services offered by roadside emergency professionals.

We’re Here to Help

Contact 1st Choice Insurance in Fairfield, OH, today to learn more about full-time RV coverage options in the Buckeye State or compare personalized quotes.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.