Motorhome insurance policies provide protection when you are at fault for bodily injury and property damage caused by the vehicle, including injury to an individual riding in the vehicle regardless of who caused the accident. It can also protect you for any damage or injuries caused by a motorist that does not have insurance.
Whether you are traveling or parked as a temporary vacation quarters you will need liability coverage. You may want other coverages, like coverage for your personal items in the RV; Comprehensive coverage for fire, theft, vandalism, wind, and animal collision; Collision coverage for damage to your RV in the event it collides with another vehicle, the ground or object, other than an animal.
It’s important to remember that a motorhome (RV) is essentially a home on wheels, so size matters when it comes to RV insurance.
For example, when shopping for homeowner’s insurance, the rates also depend on the square footage and construction of the home. On the other hand, motorhomes are measured by length and type of vehicle. So if you’re in the market for a new motorhome with a strict budget, try to stay on the smaller side. Van-like Class B motorhomes typically have RVs’ lowest insurance costs, have their own engine, and are less than 25 feet long.
The next popular option is a mid-sized Class C motorhome. These types of RVs are more identifiable by having a “grandma’s attic” above the driver’s cabin. The insurance premiums are slightly higher than their smaller counterparts. Whichever RV you currently own or wish to purchase, the insurance premium may vary depending on your travel goals or home base area.
You need to carefully consider which additional coverage options you’ll want to add to your RV insurance policy in Ohio. The good news? The average RV insurance premium is cheaper than standard car insurance. Sure, a motorhome may be a “home on wheels,” but this ownership comes with more mature and experienced drivers.
Shopping for motorhome insurance can seem like an endless task. Trying to compute all sorts of different rates for various scenarios can be stressful. At Bill Palmer Insurance, our insurance agents are experienced and ready to inform you of the best options and plans that suit your budget.
When you shop with us in Lancaster, Ohio, you’re choosing to go local. Not only are our insurance agents trained to the best of their abilities, but they are also knowledgeable and resourceful for motorhome insurance rates. Our team includes many leading insurance carriers and thus offers the most competitive rates in the Lancaster, Logan, and Canal Winchester areas of Ohio state.
Contact us today for a free quote at 740-687-5733 for more information regarding our products and services for your motorhome.
