Daprile Insurance Group

RV Insurance in Ohio & Beyond

Experience easy access to affordable, high-quality RV Insurance at Daprile Insurance Group. Serving Ohio, Pennsylvania & Florida.

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Daprile Insurance Group | Insurance in Ohio

Owning an RV or motorhome gives you the freedom to explore Ohio’s stunning landscapes, from the shores of Lake Erie to the rolling hills of Hocking Hills. Whether you’re planning a cross-country adventure or a weekend getaway to a local state park, having the right RV insurance in place is essential to protect your investment and provide peace of mind. At Daprile Insurance Group, we understand the unique needs of RV owners and offer customized coverage options to fit your lifestyle.

RV Insurance Ohio

What Is RV Insurance?

RV insurance is a specialized type of coverage designed to protect recreational vehicles, including motorhomes, travel trailers, fifth wheels, and camper vans. Unlike standard car insurance, RV insurance takes into account the unique risks associated with these larger, more complex vehicles, which often serve as both transportation and temporary homes.

RV insurance typically combines elements of auto insurance, homeowners insurance, and renters insurance, reflecting the dual purpose of these vehicles. This means it can provide coverage for both the physical structure of the RV and the personal belongings inside, as well as liability protection if you’re involved in an accident.

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Why Do You Need RV Insurance in Ohio?

Ohio law requires minimum liability coverage for any motorized vehicle, including motorhomes. This helps protect you financially if you cause an accident that results in property damage or bodily injury to others. However, relying solely on minimum liability coverage can leave significant gaps in your protection.

RV insurance can also cover a wide range of risks beyond basic liability, such as physical damage, theft, and personal belongings. It can include coverage for emergency expenses if you experience a breakdown while traveling, as well as vacation liability if you’re using your RV as a temporary residence. Without proper RV insurance, you could be exposed to significant financial risks if something goes wrong on the road or at a campsite.

Additionally, if you financed your RV, your lender may require comprehensive and collision coverage to protect their investment. Even if your RV is fully paid off, maintaining this type of coverage can be a smart financial decision to protect against costly repairs or total loss.

  • RV insurance can cover a wide variety of recreational vehicles, including:

    • Class A Motorhomes – These luxury, bus-style RVs are the largest and often the most expensive, featuring spacious interiors and high-end amenities.
    • Class B Camper Vans – Sometimes called “conversion vans,” these are smaller, van-style motorhomes known for their compact size and easy maneuverability.
    • Class C Motorhomes – Mid-sized RVs built on truck or van chassis, recognizable by their over-cab sleeping areas.
    • Travel Trailers – Towable campers that offer a range of sizes and styles, from lightweight teardrop trailers to spacious, multi-room models.
    • Fifth-Wheel Trailers – Large towable RVs with a distinctive raised front section that connects to a special hitch in the bed of a pickup truck.
    • Pop-Up Campers and Truck Campers – Compact, lightweight campers that offer a more minimalist approach to RV travel.

     

    Whether you own a spacious Class A motorhome for full-time living or a compact travel trailer for weekend adventures, Daprile Insurance Group can help you find the right coverage.

  • RV insurance policies can include a range of coverages, such as:

    • Liability Coverage – Helps cover costs if you’re found at fault in an accident, including property damage and bodily injury to others.
    • Comprehensive and Collision Coverage – Protects your RV from physical damage due to accidents, theft, vandalism, fire, falling objects, or weather-related incidents.
    • Personal Belongings Coverage – Can help replace your personal items, like electronics, clothing, camping gear, and cookware, if they’re stolen or damaged.
    • Roadside Assistance – Provides support if your RV breaks down while traveling, including towing, flat tire service, lockout assistance, and fuel delivery.
    • Vacation Liability – Covers incidents that happen while your RV is parked and being used as a temporary residence, such as at a campsite or RV park.
    • Uninsured/Underinsured Motorist Protection – Offers coverage if you’re hit by a driver who doesn’t have enough insurance.
    • Emergency Expense Coverage – Helps cover lodging and transportation costs if your RV becomes uninhabitable after a covered loss.
    • Total Loss Replacement – Provides a new, comparable RV if yours is totaled within a certain timeframe, typically the first few years of ownership.

     

    Each RV owner’s needs are unique, and the right coverage depends on factors like the type of RV you own, how often you use it, and where you travel.

  • While both auto and RV insurance provide liability and physical damage coverage, RV insurance often includes additional features specific to the unique nature of motorhomes and travel trailers. This can include coverage for onboard appliances, attached awnings, and even loss of use if your RV becomes temporarily uninhabitable after a covered event.

    RV insurance also tends to have higher liability limits compared to car insurance, reflecting the increased risks associated with larger vehicles. Additionally, RV insurance can cover personal belongings and provide vacation liability, which are not typically included in standard auto policies.

  • The cost of RV insurance in Ohio varies widely based on factors like the type and size of the RV, how often it’s used, where it’s stored, and the coverage limits you select. Factors like your driving history, claims history, and even your credit score can also influence your premium. Daprile Insurance Group can help you find competitive rates from top insurance carriers, ensuring you get the right coverage at a price that fits your budget.

RV Insurance Ohio

Why Choose Daprile Insurance Group for Your RV Insurance in Ohio?

At Daprile Insurance Group, we take pride in offering personalized insurance solutions for Ohio RV owners. We work closely with you to understand your needs and find the best coverage options available. Our team is committed to providing exceptional customer service, helping you protect your RV and enjoy your travels with confidence.

Contact Daprile Insurance Group today to learn more about your RV insurance options in Ohio. Our experienced agents can guide you through the process, answer your questions, and help you choose the right coverage to fit your lifestyle.

 

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