Embark on a Buckeye State adventure with Roamly, your trusted partner for Ohio RV Insurance. From the rolling hills of the Hocking Hills to the tranquil shores of Lake Erie, our coverage ensures your journey through this diverse state is both safe and scenic.
Home to the renowned Rock & Roll Hall of Fame, the state offers a harmonious blend of urban exploration and natural retreats for RV enthusiasts. We customize our Ohio travel trailer coverage for varied climates, providing peace of mind whether you're navigating bustling city streets or winding country roads.
With Roamly, get ready to explore a captivating mix of urban charm and natural beauty, confident in our comprehensive protection that harmonizes with every aspect of your Ohio RV adventure.
At Roamly, we offer coverage options that cater to a wide variety of RV owners:
Full-time RVers: Those who live in their RV year-round and need full-time protection for their homes on wheels.
Weekend Warriors: Part-time adventurers who hit the road for weekend getaways or seasonal trips.
DIY Builds: Owners of custom-built campervans who need insurance tailored to their unique vehicles.
Commercial RV Owners: Entrepreneurs who use RVs for rental businesses, mobile offices, or travel accommodations.
In Ohio, RV insurance requirements depend on the type of vehicle:
Motorhomes: As self-propelled vehicles, motorhomes must adhere to Ohio's minimum auto insurance requirements:
$25,000 for bodily injury per person
$50,000 for bodily injury per accident
$25,000 for property damage per accident
These minimums ensure compliance with state laws, but additional coverage is advisable for enhanced protection.
Travel Trailers and Campers: Non-motorized RVs, such as travel trailers and campers, are typically covered under the towing vehicle's liability insurance while on the road. However, this coverage may not extend to damages occurring while stationary or to personal belongings inside the RV. Therefore, obtaining separate RV insurance is recommended to ensure comprehensive protection.
RV insurance premiums in Ohio vary based on factors like vehicle type, usage, and selected coverage levels. On average:
Motorhomes: Annual premiums range from $600 to $3,000, depending on the class and value of the RV.
Travel Trailers: Annual premiums typically range from $200 to $1,000.
With Roamly's competitive rates, customers can save up to 35% on their premiums compared to other insurers, thanks to our efficient underwriting process and tailored coverage options.
Whether you're a part-time adventurer or a full-time RVer, you can customize comprehensive coverage to suit your needs.
For weekend warriors and part-time RV owners, we provide a variety of coverage options:
Collision Coverage: Covers damage to your RV in case of an accident.
Medical Payments Coverage: Provides for medical expenses in the event of an accident.
Uninsured/Underinsured Motorist Coverage: Protects you if you're hit by a driver without adequate insurance.
Roadside Assistance: Helps you in case of a breakdown or emergency on the road.
Tire & Wheel Coverage: Provides protection for tire blowouts or wheel damage.
For full-time RVers, we extend our coverage to include the following:
All the coverage options available for short-term coverage, plus:
Full-Timer's Liability: Provides liability coverage similar to a homeowner's policy when your RV is parked and used as a residence.
Personal Property Coverage: Protects your belongings inside the RV, including electronics, clothing, and other personal items.
Scheduled Medical Payments: Higher limits on medical expenses after an accident.
Loss Assessment: Covers fees associated with damage to shared property in RV parks or campgrounds.
Emergency Expense Coverage: Reimburses you for unexpected costs such as lodging or transportation if your RV is disabled due to a covered loss.
Adjacent Structures Coverage: Protects other structures, such as awnings or satellite dishes, that may be attached to your RV.
Diminishing Deductibles: Reduces your deductible the longer you remain claim-free.
No matter what kind of RV lifestyle you have, we have the right coverage options to give you peace of mind on the road and at home.
Roamly Helps You Save on Ohio RV Insurance
* New Roamly customers getting personal policies for travel trailers and Class B RVs tended to see the largest savings of 35% or more off their existing policies when getting comprehensive coverage in 2023. Commercial customers who saw the largest savings while switching to Roamly typically covered between 3-5 vehicles and switched from an existing commercial policy.
Roamly Insurance Group, LLC ("Roamly") is a licensed general agent for affiliated and non-affiliated insurance companies. Roamly is licensed as an agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy and is ultimately the decision of the buyer.
Policies provided by Roamly are underwritten by Spinnaker Insurance Company, Progressive Insurance Company, Safeco Insurance, Foremost Insurance Company, National General Insurance, Allstate Insurance Company, Mobilitas Insurance Company, Lyndon Southern Insurance Company and others.