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RV Insurance

And Camper Insurance

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected.

We know the ins and outs of insurance.

Ohio RV & Camper Insurance

As an adventurous person who likes touring in their RV, you need good insurance coverage since accidents happen unexpectedly. It’s also a requirement in many states that the RV driver is liable for bodily injury and property damage caused by their vehicle.

However, every recreational vehicle requires different insurance, as each coverage comes with a unique package. So if you have a recreational vehicle (RV), you need the right RV insurance from a trusted agency.

With RV insurance, you can cover medical bills for yourself and others in the event of an accident involving your RV. It can also help pay for legal expenses and damage bills to other people’s property or vehicles, saving you from using cash from your pockets.

But what does RV insurance cover? If you’re planning to buy an RV, this guide will help you choose the best RV insurance and explain what it covers in detail.

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Whether you’re driving down Route 66 planning to visit every state or parking at your local campground for the weekend, make sure you have the right coverage for your motorhome, fifth-wheel, or travel trailer.​

RV & Camper Insurance Coverages

RV insurance covers many things for RV owners, which helps reduce the financial burdens that might arise if they cause an accident. Trust Ellerhorst Russell Insurance with all of your RV and Camper insurance needs. We have the coverage and expertise to ensure that your recreational vehicles are thoroughly protected. Some of the common coverage options the insurance policy covers include:

List of RV & Camper Insurance Coverages

The image depicts a serene scene of a man settling into his camper van as night falls. The interior of the van is well-lit, casting a warm and inviting glow that contrasts beautifully with the darkness outside. A chair, table, candles, and a camera are arranged outside the van, suggesting a desire to connect with nature and capture memories of the trip. The awning is extended, providing additional shelter and creating a cozy nook for the occupant. In the background, rocks, trees, and mountains add a rugged and natural touch to the scenery. This image captures the essence of adventure and self-sufficiency, emphasizing the joy of exploration and the freedom of the open road.

Comprehensive Coverage

You need comprehensive coverage to protect you from non-collision damages that your RV is involved in and that are out of your control. The damages include those from fire, vandalism, weather, animal accidents, theft, and glass or windshield damage.

Remember, comprehensive coverage is a policy within an insurance policy and can also help you when natural calamities like storms, floods, and earthquakes strike. Comprehensive coverage is good for your high-value RV or if you can’t afford to repair or replace your car out of your own pocket.

An image is shown of an A-class camper loaded onto a tow truck, with visible damage to its rear bumper. The camper has a large, luxurious design, built on a bus or truck chassis, and features a neutral-colored exterior. The tow truck is visible in the image, with equipment used to lift and transport the damaged camper. The scene suggests the potential for unexpected accidents and the importance of having reliable roadside assistance to provide help and transportation when needed. The image may also depict the potential financial and emotional costs of vehicle damage, as the A-class camper is a valuable and cherished possession for its owner.

Collision Coverage

Another offer under our RV insurance is collision coverage, which helps repair or replace your RV if it is damaged when another vehicle or object is involved. The object can be a tree, fence, or a single-car accident where the RV rolls over or falls over.

Remember, the lender will need collision coverage if you’re leasing or financing your RV. It can also cover hits and runs or collisions with parked vehicles. But it doesn’t cover medical bills for anyone involved in the accident or another person’s car.

An image is shown of an A-class camper loaded onto a tow truck, with visible damage to its rear bumper. The camper has a large, luxurious design, built on a bus or truck chassis, and features a neutral-colored exterior. The tow truck is visible in the image, with equipment used to lift and transport the damaged camper. The scene suggests the potential for unexpected accidents and the importance of having reliable roadside assistance to provide help and transportation when needed. The image may also depict the potential financial and emotional costs of vehicle damage, as the A-class camper is a valuable and cherished possession for its owner.
An image is shown of a man and woman jumping in front of their camper van, with big smiles on their faces. The camper van has a compact, streamlined design, with a neutral-colored exterior, and appears to be well-equipped for travel and camping. The couple is dressed in casual, comfortable attire, suggesting a relaxed and carefree lifestyle. The scene suggests the freedom and joy of travel and adventure, as the couple embarks on a road trip with their camper van, exploring new destinations and making memories along the way. The image may also depict the potential for a close and adventurous relationship, as the couple shares the excitement of their travels together.

Liability

Liability insurance will help you if your RV causes injuries and property damage to other people. It also covers any legal costs and the payout you could have otherwise paid for if you’re liable for the accident. But it doesn’t cover criminal prosecution or contractual liabilities.
An image is shown of a C-class camper parked in a wooded area, with its awning extended to provide shade and shelter. The camper has a compact yet functional design and is built on a truck chassis, with a neutral-colored exterior. The surrounding area is filled with trees and natural vegetation, suggesting a secluded and peaceful camping location. The open awning and outdoor chairs under it suggest the potential for outdoor relaxation and enjoyment, while the camper provides basic amenities and comfort. The scene may also depict the potential for hiking, exploring nature, and other outdoor activities that can be enjoyed while camping in a C-class camper.

Medical Payments

RV insurance can also cover medical payments on your behalf. It will also cover the medical expenses for you or the passengers on the RV. You must choose the medical payment amount you want the coverage to cover. The insurance coverage doesn’t look into who is at fault for the accident before making the medical payments.
An image is shown of a C-class camper parked in a wooded area, with its awning extended to provide shade and shelter. The camper has a compact yet functional design and is built on a truck chassis, with a neutral-colored exterior. The surrounding area is filled with trees and natural vegetation, suggesting a secluded and peaceful camping location. The open awning and outdoor chairs under it suggest the potential for outdoor relaxation and enjoyment, while the camper provides basic amenities and comfort. The scene may also depict the potential for hiking, exploring nature, and other outdoor activities that can be enjoyed while camping in a C-class camper.
An image is shown of a C-class camper driving down the highway with two bikes attached to a rack on the back. The camper has a compact yet functional design and is built on a truck chassis, with a neutral-colored exterior. The bikes are secured to the rack and appear to be ready for use at the next stop. The scene suggests the potential for outdoor adventures and camping with the convenience of bringing bicycles along to explore new areas. The image may also depict the freedom and flexibility of travel that can be enjoyed with a C-class camper, as it can easily navigate highways and secondary roads, providing access to a range of destinations and activities.

Uninsured/Underinsured Motorist

Also, enjoy our medical payments under the RV insurance if hit by an uninsured or underinsured driver. It covers your injuries or those of your passengers and damages caused by a motorist with no coverage. If you’ve damaged your RV by an underinsured motorist, the coverage can also help you pay your medical bills.
An image is shown of a woman standing beside her car on the side of the road, holding an umbrella while roadside assistance personnel change her tire. The woman is dressed in casual attire and appears to be relieved to have help with her car troubles. The roadside assistance personnel are visible in the image, working to replace the flat tire with a spare. The scene suggests the potential for unexpected car troubles while driving, and the importance of having reliable roadside assistance to provide help when needed. The image may also depict the value of being prepared for such situations by having an umbrella and other essentials on hand.

Roadside Assistance

With RV insurance, your motorhome can get a battery boost, tire change, towing services, and tech assistance. However, we offer such services if your RV is within 100 feet of a highway or road.
An image is shown of a woman standing beside her car on the side of the road, holding an umbrella while roadside assistance personnel change her tire. The woman is dressed in casual attire and appears to be relieved to have help with her car troubles. The roadside assistance personnel are visible in the image, working to replace the flat tire with a spare. The scene suggests the potential for unexpected car troubles while driving, and the importance of having reliable roadside assistance to provide help when needed. The image may also depict the value of being prepared for such situations by having an umbrella and other essentials on hand.

Additional RV Insurance Coverages

Apart from the above benefits, having RV insurance also attracts other types of coverage. The other types of RV insurance coverage include:
Emergency Expense
If you’re out on your vacation with your RV, our insurance coverage can help with part of your transportation and hotel costs. But this is if your RV is disabled 50 miles away and the cause is insured. Note that you’ll have to pay more to cover more costs.
Equipment Attached & Accessories
Since an RV is a luxurious travel vehicle that can act as your home, it’s common to have special equipment and accessories on it. If your RV gets into an accident, these items are prone spoilingoil, but the RV insurance can cover them. The equipment and accessories include electronics, satellite dishes, awnings, and cargo carriers.
Personal Belongings
With RV coverage, you can insure your personal belongings in the RV for a certain amount. The belongings can be your phone or camera equipment.
Towing & Roadside Coverage
RV insurance is handy when your RV can’t move independently and must be transported on a flatbed truck. Your RV should be within 100 feet of the road and stuck in the mud, water, snow, or sand for the claim to be viable.
Vacation Liability
The cover also enables you to pay for medical expenses if a person is injured in or around your RV while you’re on vacation. RV insurance will only cover a certain amount.

Coverage For RVs, Trailers, & Motorhomes

Since there are several RV insurances for different types of recreational vehicles, it’s best to choose the right one that suits your needs. Some of the coverage you can consider include:

Specific Coverage For Specific RVs, Trailers & Motorhomes

An image of an A-class camper, also known as a Class A motorhome, is shown. The motorhome is a large, luxurious RV built on a bus or truck chassis, with a distinctive boxy shape and a flat front end. The exterior is typically covered with a white or neutral-colored material and may have decorative decals or designs. The image may show other features of the camper, such as awnings, slide-outs, or storage compartments. The scene suggests the high level of comfort and amenities that can be enjoyed with an A-class camper, with the potential for long trips, luxury camping, and a spacious home on wheels.

Class A Motorhome

Class A motorhome insurance covers everything inside the large buses that can house up to 8 people comfortably. For example, with liability insurance coverage, you won’t have to pay for damages or injuries from accidents when driving your RV. The insurance will cover medical bills and vehicle repairs according to the policy limits.
An image of a B-class camper, also known as a Class B motorhome or van camper, is shown. The camper is built on a van chassis and has a streamlined, compact design, making it easier to drive and park than larger RVs. The exterior is typically covered with a white or neutral-colored material, and the image may also show other features of the camper, such as an awning or storage compartments. The scene suggests the potential for outdoor adventures and camping in a versatile, easy-to-maneuver RV that provides basic amenities and comfort, while also being a practical choice for everyday use. The image may also depict the potential for road trips, weekend getaways, and exploring different destinations with a more nimble and efficient RV.

Class B Motor home

This cover can help reduce your financial burden if you injure or damage property while driving your RV. You can pay for comprehensive and collision coverage or personal belongings coverage under the RV insurance. Alternatively, you can add other coverages that protect you against accidents beyond your control.
An image of a C-class camper, also known as a Class C motorhome, is shown. The motorhome is built on a truck or van chassis and has a distinctive over-cab section that provides additional sleeping space. The exterior is typically covered with a white or neutral-colored material, and the windows are visible on the sides of the vehicle. The image may also show other features of the camper, such as an awning or storage compartments. The scene suggests the freedom and flexibility of travel that can be enjoyed with a C-class camper, with the potential for long trips, camping in remote locations, and a comfortable home on wheels.

Class C Motor home

Class C motorhomes are RVs between classes A and B. Most states require class C RV drivers to have vehicle injury and property damage liability coverage. However, you can also opt for extra coverages like theft, repair, and replacing damaged items. A good RV insurance policy for class C should be either comprehensive or have vacation coverage.
An image of a horse trailer is shown, which is a type of trailer designed to transport horses from one location to another. The trailer has a rectangular shape with a metallic exterior, typically painted white or another neutral color. The image may also show other features of the trailer, such as windows, a side ramp or a rear door for loading and unloading horses, or a tack room for storing equipment. The scene suggests the potential for equestrian activities, such as horse shows or trail riding, where horses need to be transported safely and comfortably to various locations.

Cargo & Horse Trailers

You can also safeguard your cargo and trailer with liability coverage. The coverage can protect you when the RV gets into an accident, causing injuries or property damage. RV comprehensive insurance can also help you against theft, vandalism, or personal effects inside the RV. Going for an emergency expense policy for your cargo and trailer is also good.
An image of a travel trailer is shown, making its way down a forest road. The trailer is hitched to a vehicle and appears to be on a journey through a lush, green forest. The trailer is a traditional rectangular shape and has a white exterior with several windows. The vehicle towing the trailer is not visible in the image. The scene depicts an idyllic outdoor adventure, with the forest providing a picturesque backdrop for the travel trailer.

Conventional Travel Trailers

Even though it’s not mandatory to insure your travel trailer, it’s good to do so to avoid using your money to foot bills in case of an accident. But some lenders might require comprehensive and collision coverage for this type of RV. You can also insure your personal belongings, like smartphones.
An image of a fifth wheel camper is shown, which is a type of recreational vehicle designed to be towed by a pickup truck. The camper has a unique bi-level design with a raised front section that extends over the bed of the pickup truck, which serves as the towing vehicle. The exterior is typically covered with a neutral-colored material, and the image may also show other features of the camper, such as an awning, slide-outs, or storage compartments. The scene suggests the freedom and flexibility of travel that can be enjoyed with a fifth wheel camper, with the potential for long trips, camping in remote locations, and a comfortable home away from home.

Fifth-Wheel Trailers

Fifth-wheel trailers are the biggest trailers that need the best RV insurance against accidents or theft. However, you’ll need travel trailer insurance to cover physical damages. With a liability insurance policy, you’re safe from medical expenses or repair bills if you’re liable for the accident by your fifth wheel.
An image of a popup camper is shown, which is a type of RV designed to be lightweight and easy to tow. The camper has a collapsible frame with soft-sided walls that can be raised or lowered to provide additional living space. The exterior is typically covered with a neutral-colored material, and the image may also show other features of the camper, such as awnings or storage compartments. The scene suggests the potential for outdoor adventures and camping in a compact, versatile RV that provides basic amenities and comfort, while also allowing for easy setup and teardown.

Pop-up Campers

It’s not a legal requirement to insure your pop-up camper. However, tent trailer RV insurance is the best option to be safe financially. It can protect you against injuries and damages the pop-up camper causes. You can also replace your belongings since this RV can accommodate more.
An image of a truck top camper, also known as a truck camper or slide-in camper, is shown. It is a compact RV designed to be loaded onto the bed of a pickup truck. The camper has a small living space, a sleeping area, and basic amenities such as a kitchenette and a bathroom. It is mounted on the truck's bed and is accessible through a small doorway. The camper is shown against a scenic outdoor backdrop, suggesting its suitability for camping and outdoor adventures.

Truck Campers

You can have separate insurance coverage for your truck. But you can still get one for your camper. With RV comprehensive and collision insurance, you’ll be at peace knowing the bills that accrue after your RV causes an accident will sort out. It’s also good to have liability coverage for your truck camper for bodily or property damage when driving the vehicle.
An image of a row of cargo trailers is shown, with each trailer designed to transport goods or equipment. The trailers are rectangular and have a metallic exterior, typically painted white or another neutral color. Each trailer has a large, rear access door, and some may have additional side doors or windows. The trailers may vary in size, with some smaller and others much larger. The scene suggests the potential for long-distance transportation of goods, commercial shipping, or other uses where cargo needs to be transported securely and efficiently.

Utility Trailers

Utility trailer insurance can help you sort physical injuries or injuries your RV causes, or you’re liable for. However, the coverage might not pay for damages to the trailer or the content inside it. So choosing unique packages like emergency expense coverage, replacement costs, or roadside assistance is advisable. Remember, the amount you’ll pay to insure your RV depends on the coverage you opt for. Additionally, the RV type and your location also matter.

Required RV insurance Coverage in Ohio

Ohio, just like most states, you are required to have RV liability coverage for your motorhome. This liability insurance makes sure that you are covered for injuries and property damage to other drivers in the case of an accident where you are found at fault.RV’s are massive vehicles and can cause very extensive dammage in the event of a reach, so it is very important to have sufficient liability coverage to protect yourself and your asset. Although Ohio sets minimum liability coverage, you should call the team here at Ellerhorst Russell Insurance Agency LLC to make sure that you are not caught unprepared in the event of an accident.

Best Ohio RV Insurance Agency

The best RV insurance agency in Ohio should meet your demands for RV coverage and be there for you when you need it. You need to find a carrier that you can rely on to protect your RV, whether on the road or parked somewhere. With the right RV insurance policy, you can rest assured that your motorhome is protected.

 

Ellerhorst Insurance Agency LLC is the best insurance agency for your RV coverage in Ohio. Our independent agency offers various customers’ preferred policies that fit your needs. We work with experienced staff who will help you understand your RV insurance needs and customize your coverage to meet your requirements.

 

So, as an RV owner if you’re looking for the best Ohio RV insurance agency, Ellerhorst is here for you. You can count on us to get the best RV policies tailored to your needs.

How Do I Get A Quote?

Ellerhorst Russell Insurance Agency will work with you closely to understand your needs and make sure you’re properly protected.

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