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Motor Home Insurance in Ohio

Motorhomes being driven in the state of Ohio must always have insurance coverage to be operated legally within the state. The owner of the motorhome is responsible for getting this coverage in order to drive the vehicle or to allow anyone else to drive it.

The legal insurance minimums for any vehicle, including a motorhome, operated in Ohio are as follows:

  • Insurance coverage of $25,000 for bodily injury of a person
  • Insurance coverage of $50,000 for bodily injury of two or more persons
  • Insurance coverage of $25,000 for any property damage

The driver of a motorhome should always have an insurance identification card to be able to present this card to any law enforcement officer upon request. Most people keep this up-to-date insurance card in the motorhome along with its title documentation.

Motorhome owners need to cover their valuable motorhome with more adequate insurance than the bare minimums required by law. If you own a motorhome or are considering buying one, be sure to contact your agent at Greater Cincinnati Insurance Services, serving Cincinnati, OH and the surrounding area, to get a quote for motorhome insurance coverage that is adequate for your needs.

Don’t forget to ask your agent about insurance coverage for your motorhome contents as well as the vehicle itself. Also, inform your agent if there are going to be any other drivers besides yourself and have a copy of their driver’s license to show your agent.

Things to consider about motorhome coverage include:

  • Collision Coverage: Provides protection for the motorhome in a collision that is your fault.
  • Personal Injury Coverage: Provides protection for individuals involved in an accident.
  • Property Damage: Provides protection for damage to other’s property.
  • Comprehensive Coverage: Provides protection for motorhome contents against fire, theft, and vandalism.
  • Un-Insured Motorist Coverage: Provides protection when involved in an accident caused by a person who does not have insurance.
  • Optional Extra Coverage: This is added protection for special equipment, campsite coverage, using a motorhome for temporary housing, emergency expenses, and coverage for towing or roadside service.

Call us or come to the office for a visit to discuss these concerns with your agent at Greater Cincinnati Insurance Services in Cincinnati, OH. We will make sure you have adequate coverage in place. Then, you can fully enjoy your motorhome while being confident that you have insurance protection in case something happens.

Servicing these States

  • Ohio
  • Kentucky
  • Indiana
  • Tennessee