Factors To Consider When Shopping For RV Insurance

So, you have finally purchased the recreational vehicle that you have been dreaming about. The next step for you will be to insure your precious possession to protect it from the unexpected. However, before you get a certain RV insurance policy, there are certain things you need to consider: 

Type of a Vehicle

There are three types of RV: Class A, B, C. Class A are the large mobile homes that are usually the most expensive to insure. Class B is very similar to a standard automobile and is often called a camper van. Class C is a medium-sized hybrid – something between a camper and a car.  It is important to know that type of your RV because it is one of the factors affecting your insurance cost. 

The Way You Use Your RV

Do you use it as a vehicle for traveling several times a year, or do you live in it full-time? If your RV is your actual home, then you may need to get liability insurance that covers the incidents that standard home insurance does. Liability insurance includes protection if someone is injured in your RV or if your personal belongings are destroyed by fire. 

The Age and Condition of Your RV 

It is essential to know that insurance for the same RV model will be different depending on the age and condition of the recreational vehicle. For example, the older your RV is, the less you have to pay for insurance. 

Finding the right coverage for your mobile home is not the most straightforward task – there are many things and factors to consider. However, if you are from Niles, OH, or any other surrounding area, Ruddy Insurance Group is ready to assist you and help you to make the most informed decision. Give Ruddy Insurance Group a call today to figure out how we can help to protect your house on wheels. 

Who Is Responsible if my RV is Damaged by Another Vehicle in a Campground?

RV owners in Niles, OH need to make sure their RVs and other recreational vehicles are properly insured before leaving for a campground or other recreational area. Carrying your own insurance is the best way to protect yourself from financial loss if your RV or other recreational vehicles are damaged in any way. The agents at Ruddy Insurance Group will ensure that you are fully covered.

Who Is At Fault?

In Ohio, the person at fault is liable for any damages they may cause or injuries a person may receive during an accident. Even if the accident occurs on campground property, the at-fault driver’s insurance will be required to pay for the damages to your RV and any injuries that resulted from the accident. In some cases, the police or an insurance investigator may have to be called in to determine who is at-fault and responsible for the repairs.

Is the Campground Liable?

Depending on the circumstances, the campground may also share a portion of the liability. If your RV is parked and it is damaged by falling trees or debris, the campground will be liable. If it can be proven that the campground created a situation in which the accident that occurred was unpreventable, their insurance will also be held responsible.

The agents at Ruddy Insurance Group provide the residents of Niles, OH with the highest quality RV insurance possible. If an accident occurs, the agents will always be there to help sort out who is at fault as well as what caused the accident. Call the agents at your earliest convenience to find out if your RVs and recreational vehicles are properly insured.