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Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

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3 Things to Know about Ohio RV Insurance

While living or staying in the Avon Lake, OH region, you’ll want to be sure to explore the beautiful country that surrounds us. Recreational vehicles allow you and your family the ability to explore areas away from your home for short or extended periods. At Meiners Insurance, we understand part of enjoying your leisure trips is having the peace of mind in knowing you’re covered.

Required Coverages

In Ohio, recreational vehicles require the same minimum coverage as a regular automobile. Basic liability coverage must have:

  • Bodily injury liability: $25,000.00 per person and $50,000.00 for all persons injured, per accident 
  • Property damage liability: $25,000.00 for harm or destruction of another’s property, per accident

In most cases, your RV will require a separate policy to cover the vehicle adequately. The cost of your RV coverage depends on the RV’s age, make, model, and sometimes optional safety features. 

Comprehensive and collision coverage can be added based on the market value of the RV or the total replacement cost for a similar make and model. This might give you a rounded minimum policy for you, your family, and passengers, but what about other considerations? 

Limited Time Coverage

In Ohio, RV coverage can only be purchased for up to 250 days a year. Longer RV coverage is excellent news for those who prefer extended stays in their homes away from home.

Personal Effects 

The RV insurance policy covers just the RV, not necessarily the contents. Consider inquiring about additional coverage that can help you replace personal belongings inside the RV, such as electronics or jewelry.

Tow Vehicles

If you’re towing a smaller vehicle or trailer behind your RV, you’ll be sure to want to ask about coverage for this and its contents. Additional policy coverage may be needed.

Contact Meiners Insurance

Faithfully serving Avon Lake, OH, and the surrounding areas, Meiners Insurance looks forward to helping you find the right Ohio RV Insurance for you. Contact us today for a free quote!

Our Carriers

  • Foremost
  • Hagerty
  • Guard
  • Liberty Mutual
  • Nationwide
  • Progressive
  • Safeco
  • Travelers