Recreational Vehicle Insurance in Kent, OH
Ohio boasts a diverse landscape that encourages residents to indulge in outdoor activities like camping, boating, and travel by recreational vehicle (RV). Whether you own a motorcycle, RV, boat or off-road vehicle like an ATV or snowmobile, securing appropriate RV insurance is essential to safeguard your valuable investments.
At National Premier Insurance, we recognize the specific risks associated with RV ownership. Our goal is to provide a robust range of coverage options tailored to your needs and financial considerations.
What Is Recreational Vehicle Insurance? 
RV insurance may cover a range of vehicles like boats, motorcycles, RVs, ATVs and travel trailers, offering tailored coverage for their unique risks and uses. Similar to car insurance, it typically includes:
- Liability coverage—This can pay for injuries or property damage you cause to others while operating your RV.
- Collision coverage—If your RV is damaged due to a collision with another vehicle or object, this can cover your repair or replacement costs, regardless of fault.
- Comprehensive coverage—Beyond collisions, this may financially protect your RV from events like theft, vandalism, fire, glass breakage and weather-related incidents.
- Uninsured/Underinsured motorist coverage (UM/UIM)—If you’re involved in an accident with an at-fault uninsured or underinsured driver, this can help cover your injuries and RV damage.
- Medical payments coverage—This can pay for medical bills for you and your passengers after an accident, regardless of fault.
- Personal property coverage—Some policies may offer coverage for your personal belongings in the RV, such as clothing, electronics and fishing gear.
How Much Does RV Insurance Cost?
The cost of RV insurance varies based on several factors, including the type of RV, its value, usage, and your driving history. Premiums can be higher for luxury models or if you opt for extensive coverage options.
What Makes Recreational Vehicle Coverage Different from Automobile Coverage?
Recreational vehicle coverage differs from standard automobile coverage in several ways. Generally, RV insurance may offer greater coverage limits to align with the high value of RVs and the cost to repair them. RV insurance may also provide additional, unique coverage, including financial protection for personal items and liability at campsites.
How to Get Recreational Vehicle Insurance
If you need a recreational vehicle insurance policy, we’re here to help. Contact National Premier Insurance today to learn more or receive a free quote.