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Meiners Insurance

152 Lear Rd
Avon Lake, OH 44012

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Why RV Insurance is a Good Investment

Owning an RV sounds fun, but it requires a significant investment. First off, the purchase price isn’t cheap. Then, you need to be diligent with the ongoing maintenance routine to keep your luxury vehicle in tip-top condition. And that’s not all. Don’t forget about RV insurance from Meiners Insurance in Avon Lake, OH, because you need it to protect your investment.

But does RV insurance matter? Or it’s just another payment we make religiously to comply with the law? If you have been having second thoughts about RV insurance, you had better think again. RV insurance is worth many times the actual price you pay the premiums. Here are reasons why RV insurance is worth every penny.

Why RV Insurance is a Good Investment

Protects you against liabilities

In America, going on about life without liability insurance is a dangerous move. It only takes one liability claim to mess up with your finances. When using your RV, you may cause an accident that inflicts injuries and property damage to others. Without liability coverage, you may need to cover these costs from your pocket. However, third-party claims shouldn’t be much of a headache if you have liability coverage.

Protects your asset

As mentioned, RV is a significant investment. And just like your car or home, your RV is susceptible to numerous risks like theft, fire, vandalism, falling objects, and natural disasters. Instead of taking chances with your prized investment, protect it with RV insurance.

It’s required

A travel trailer towable by your vehicle doesn’t need RV insurance because your car insurance covers it. However, self-propelled RVs like camper vans must-have RV insurance to meet the state’s requirements. Furthermore, your lender may require you to invest in RV insurance until you pay off the loan.

Give Us A Call

Convinced that RV insurance is a worthwhile investment? It’s time to purchase a policy in Avon Lake, OH from Meiners Insurance. Call us today for an affordable quote.

4 Tips for Storing Your RV in the Off Season

Easy Ways to Protect Your RV During the Winter

You’re in the middle of enjoying life on the open road right now, but cooler weather is just around the corner. At Meiners Insurance, we like to help our clients in Avon Lake, OH protect all of their assets, including their recreational vehicles. While a solid insurance policy can protect your recreational vehicle from damage and protect you from liability, there are also simple steps you can take to winterize your RV and keep it in top condition for years to come. 

Three Ways to Protect and Store Your RV for the Winter

Clean it Thoroughly, Inside and Out. You’ve heard of new car smell, but what about musty RV or boat smell? Anytime you’re storing a recreational vehicle for the winter, you should give it a top to bottom cleaning so that you don’t come back to unpleasant odors, stale air, or, worse, bugs and rodents. Pay special attention to the floors, fridge and cabinets, making sure all food and crumbs are removed. Applying a wax coat as your final stage of cleaning will protect your RV from UV damage. 

Unplug Everything! Next, go through your RV and unplug everything. And we mean everything. Turn off the main circuit breaker, unplug all appliances, remove batteries from clocks, flashlights, and other gadgets. Finally, remove the RV’s battery and store it in a cool, dry place. Do not leave your RV connected to shore power for the entire off-season as this can deplete your cell battery. Instead, keep the battery on a maintenance charger designed for long-term storage. Taking these steps will prolong the life of your RV and prevent short circuits and fires. 

Plug Everything! We know we just told you to unplug everything, but you should also plug (or cover) everything. Critter damage and sun damage are two dangers recreational vehicles face during the off-season. To protect from nesting birds and rodents, step inside your RV when you’re ready to store it and see if light is getting in anywhere. If light can get in, then small animals can get in. Use expanding foam or wadding to plug all entryways. To protect against sun damage, either choose covered storage or use a tarp to keep your RV fully covered throughout the winter. 

Top Off All Fluids. Last but not least, take a moment to get an oil change and make sure all your fluids are topped off. Fuel naturally deteriorates while an RV is in storage, so add a fuel-storage stabilizer to the tank to keep the air around the fuel from condensing and to prevent deterioration. 

Taking these four simple steps will ensure that you’re ready to roll at the first signs of spring and keep your RV running smooth for longer. Looking for more ways to safeguard your assets? Contact Meiners Insurance to request a quote for Recreational Vehicle Insurance. We’ll protect your investments so you can spend your time enjoying the open road. 

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