The RV category includes motorized vehicles or motorhomes that operate under their own power and towable trailers pulled by another vehicle. The motorized-towable distinction is the primary differentiator for insurance needs, but other issues also arise. Our Bonvenuto Financial Group LLC team serves the Uniontown, OH, area and will help you obtain the RV coverage that suits your needs.
RV Types and Insurance
RV insurance covers Class A, B, C, and towable RVs, which can vary widely from relatively modest to luxurious.
Class A RVs are generally high-end vehicles built on a truck or bus chassis. Many expand with slide-outs, have a kitchen, bathroom, full-screen TV, and other amenities, and sleep up to eight people.
Class B RVs sit on van frames and sleep one or two. They may include a small galley, a refrigerator, and a mini bathroom. Their seating converts into sleeping areas. Class C RVs sit on cutaway truck chassis and often have sleeping space over the cab. Towable RVs, also called fifth-wheel campers or trailers, are pulled by another vehicle.
By law, towable RVs do not require insurance. The towing vehicle is responsible, but most owners upgrade the towing vehicle insurance to handle the increased liability.
Ohio law requires that Class A, B, and C RVs carry the minimum insurance required of any motorized vehicle. Most owners add collision, comprehensive, and other insurance elements similar to home insurance that cover personal possessions and liabilities when the RV is parked.
Working With Bonvenuto Financial Group LLC
Our Bonvenuto Financial Group LLC team serves RV owners in the Uniontown, OH, area. Let us help create a plan for your RV and other insurance needs. Call us today at (330) 699-9925 or stop by the office for the coverage you need.
