No matter where you intend to travel in your Recreational Vehicles (RV), you can drive safely and stress-free if you have RV insurance coverage. If you are currently in Ohio, the following information will provide you with all the relevant information about how camper insurance in Ohio works.
Need for camper insurance in Ohio
The roads of Ohio are exciting but can be risky at the same time. In Ohio, the road casualties in one year, there are almost 72,000 injury crashes, 900 fatal injury crashes, and 219,000 property damage cases. The total number of crashes annually is approximately 300,000, which is why you need to get camper insurance in Ohio for your RV.
Minimum coverage needed
Camper insurance is almost identical to car insurance except that it has some additional coverage’s. The majority of the states, including Ohio, have made it mandatory for drivers to have liability insurance. If you are at fault in an accident, this coverage protects you from liability claims and lawsuits. The present minimum coverage limits in Camper Insurance Ohio are as follows:
● $25,000 per dead or hurt in an accident
● $50,000 for all injuries
● $25,000 per accident for vandalism
It is recommended that you have coverage limits greater than what is required, and this additional sum may be used to protect your other assets from the costs of a lawsuit that may arise as a result of the accident.
Optional Coverage’s
Other than the liability coverage, there are many different policies you need to include in your camper insurance Ohio. This coverage’s are optional but will help you protect yourself, your loved ones, and the RV from any mishap, property damage, and uninsured or underinsured motorists.
Suppose you are in an accident where the driver who hit you has no insurance. Then uninsured motorist coverage helps in the payment of medical bills and replacement of the damaged parts. Underinsurance coverage is when the driver’s insurance is less than the cost required for the damage repair.
Two coverage’s protect your RV from any damage.
- Collision covers for the destruction and damage done when you are in an accident with another vehicle. C
- Comprehensive coverage, also known as “Other than collision,” pays for the destruction caused by vandalism, theft, animals, and natural calamities like hail, fire, flood, or storm.
Coverage’s for full-time residency
In case you are using RV as your primary residence. Then make sure you have the full RV coverage in your camper insurance. Home insurance packages also include coverage for camper. If your RV is stolen, the insurance company will offer a full written return. If you have full replacement insurance, you’ll recover the total amount you paid for the vehicle.
RVs are always full of a huge collection of items. In addition, there are times when additional attachments such as cooking or camping equipment, satellite TV, furniture, and much more are needed. Personal liability insurance helps to pay for the repairs or replacement of all these items. In addition, health insurance covers the payment of medical bills to treat injuries if someone is injured in the vehicle.
Additional Protection
RVs are generally used as holiday homes. Hence, it would be best to get additional policies to protect yourself from sudden mishaps when you temporarily live in your motor home. Here are some of the camper insuranceyou can take:
Campsite or Vacation coverage: If your camper is currently on a temporary holiday or picnic site such as a campsite, it is advisable to take out this camper insurance to help repair the damage caused to the vehicle.
Emergency Coverage: This coverage helps pay the bills for accommodation or transportation while your motor home is being repaired. With this coverage, you can get 24/7 emergency assistance.
Assistance and Towing Coverage: If fuels, tire change, jump-start assistance, or towing are required, this insurance will cover all the costs of interrupting the trip. Additionally, labor costs are partially included in this RV insurance.
Storage coverage: This coverage protects your things when the RV is stored in a storage facility.
Conclusion
Before you head out for a trip, make sure you have camper insurance in Ohio. It is important to research the current camper insurance options available in the market. To make your search easier, connect with Oyer Insurance Agency. It is one of the best insurance providers in Ohio. Oyer experts will certainly help you compare the companies, rates, and policy options of several companies to find the most appropriate RV insurance for your needs.