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The Ohio RV Insurance Specialists at Charlotte Insurance are Ready to Help You Protect Your Rig!

Your Ohio RV adventures start the moment you get behind the wheel. It doesn’t matter if you’re headed to Lake Erie for fun by the water or you’re going to the Rock and Roll Hall of Fame in Cleveland to celebrate legends of music. Maybe your adventures will take you beyond the Ohio state borders.

Whether you’re staying in-state for a weekend getaway or you’re bound for parts unknown – east, west, north, or south – make sure to protect yourself, your family, your adventures, and your RV.



The best protection you can purchase is a full coverage Ohio RV insurance policy. Certain coverage is required by law but the rest is meant to get you back on the road faster and without hurting your wallet. The more coverage you purchase, the better you can protect yourself, your family, and your RV.

Here at Charlotte Insurance, we’re here to help you find the right Ohio RV insurance policy for your lifestyle, your travel plans, and your recreational vehicle.

Contact us today to get a free Ohio RV quote for your first RV policy or your next one. Make sure your home-on-wheels is well covered while you’re on the road or parked.

Common Ohio RV Insurance Misconceptions

Won’t my homeowners policy cover my RV?

As long as your RV is parked at your home, your homeowners policy will likely provide a limited amount of coverage, based on any provisions included in the policy. However, once your RV is no longer located at your home, your homeowners insurance won’t cover you.

Are the things in my RV covered by my homeowners insurance?

Again, as long as it’s parked at your Ohio home, homeowners insurance offers a minimal amount of coverage for the things inside your RV. The keyword here is minimal. It likely won’t be enough to replace everything, and any additional accessories you’ve added to your RV – awnings, satellites, and more – won’t be covered at all.

How much will Ohio RV insurance cost?

The amount you’ll pay for RV insurance in Ohio depends on different factors. Part of the cost is determined by how you use your RV, whether that’s part-time or full-time. Another part of the cost is decided based on your driving habits, previous claims history, and the deductibles and policy limits you choose.

Ohio RV Insurance Requirements

In Ohio, you’re required to purchase liability insurance if your RV is a motorhome. You’ll have to purchase a minimum amount of coverage:

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident

Liability insurance pays when you’re at fault or liable for an accident and the other person suffers property damage and/or bodily injuries. Keep in mind that state minimums aren’t always enough to protect you financially after a serious accident. If the other person decides to sue, you’ll wish you had more coverage.

You’re not required to insure campers, trailers, or fifth wheels in Ohio but it’s a good idea to do it anyway. In most cases, these types of RVs can be covered by your vehicle’s auto insurance. However, if you live in your RV full-time, full-time RV insurance may offer the most protection.

Types of Coverages for Ohio RV Insurance


Liability coverage when you drive and live in an RV protects you when you’re at fault for an accident on the road and when someone (a third-party who doesn’t live with you) gets hurt or suffers damage while visiting your RV.

Two types of coverage are included with liability insurance:

  • Bodily injury
  • Property damage

It pays for injuries and property damage of that third-party who’s involved in the accident. This can be a fender bender on the road or if someone trips and falls stepping into your RV. Most importantly, liability insurance covers your legal fees if you’re sued after an accident and any settlements you may be required to pay, up to your policy limit.

If any of this sounds familiar to your home or auto policies, that’s because liability coverage for your RV works the same way. The difference is that RV insurance is designed for the unique experience of traveling in an RV. A deductible will apply.

Comprehensive and Collision

Your Ohio RV is much more than your home away from home, it’s also a motor vehicle. Whether you hit a pole or your RV is damaged in a storm, comprehensive and collision insurance pay to repair or replace your RV. Deductibles apply.

When you finance the purchase of an RV, your lender will likely require the purchase of comprehensive and collision insurance.

Physical Damage

After a big accident or other covered peril, your RV could be declared a “total loss.” With physical damage coverage, you’ll be paid for this loss to help replace your RV. There are three ways your payment amount can be determined, based on coverage you select:

  • Actual Cash Value (ACV): ACV is the most common form of compensation for most people. If your RV is totaled, you receive an amount equal to the value of your RV at the time of the loss. This amount is determined based on the age and condition of your RV. It is unlikely to be enough to fully pay for a replacement.
  • Agreed Value (AV): While not as common as other types, AV can be a good option if you’ve heavily customized your RV. If your RV is totaled, you’ll receive an agreed value amount that was determined at the time you purchased your policy without considering the depreciation for up to 10 years. The amount you’ll receive will be listed on the Declaration page of your policy.
  • Replacement Cost (RC): Replacement cost is an excellent option for new RVs If your RV is a total loss, you’ll be paid enough to purchase a new or comparable RV or you’ll receive a previously agreed upon amount listed on the Declaration page of your policy. In the first five model years, you’ll receive enough to replace your RV. After five model years, you’ll receive the agreed amount. To purchase this coverage, your Ohio RV must be the current model year or only one model year old at the time it’s insured. It cannot have been owned, titled, or insured previously.

A deductible will apply.

Emergency Expense

Having an emergency while you’re traveling in an RV often means you won’t have a place to live or a vehicle to drive until your RV is repaired or replaced. Emergency expense coverage helps pay for the extra costs of finding a hotel or renting a vehicle after a covered comprehensive or collision claim that occurs more than 50 miles away from your primary residence or storage facility.

You’ll receive up to a specified amount for a variety of emergency expenses:

  • Temporary living accommodations such as a hotel
  • Cost of transportation to go home.
  • Cost to get your RV home, as long as it hasn’t been declared a total loss.
  • Cost of renting a vehicle during the RV repairs.

If you live in your RV full-time and it’s your primary residence in Ohio, you will have a different threshold requirement for emergency expense coverage instead of the 50 mile radius rule. Talk to your independent insurance agent about how this works when you add this coverage to your policy.

Personal Effects

Your RV is filled with personal belongings – clothing, electronic devices, jewelry, camping gear, appliances, and more. Personal effects coverage pays to replace these items – up to your policy limit. If you own high-value items, like jewelry or collectibles and travel with them in your RV, talk to your insurance agent about extra coverage specifically for these belongings.

A deductible will apply.

Full-Timers Coverage

Making your RV your primary residence in Ohio offers a lot of freedom but it also comes with extra risk that part-time RV users won’t experience. Full-timers coverage gives you extra liability protection as you travel around the US and beyond. You can also purchase full-time coverage if you live in your RV during home renovations and repairs or while it’s being built. The primary vehicle use must also be your primary residence.

When you purchase full-time RV insurance, you can choose from a variety of coverage options including: Medical Payments, Loss Assessment, Attached Accessories, Adjacent Structures, and more.

Medical Payments

Medical payments coverage pays for bodily injuries and medical expenses for anyone in your RV regardless of who’s at fault for the accident. The same coverage limits will apply to all vehicles on your policy. Considering how expensive healthcare costs can be, especially if you’re sent to the emergency room, medical payments insurance takes a weight off of your shoulders.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist (UIM) coverage protects you, relatives living with you, and other passengers in your RV when another driver causes an accident but doesn’t have enough or any liability coverage.