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RECREATIONAL VEHICLES |
At Roth & Reynolds, we can design a policy to meet your RV needs! Contact us today for your Ohio, Kentucky, or Indiana insurance quote! |
Note: The following outline of coverage is for your information only. Please see your policy for exact terms and conditions and exclusions and limitations. |
The open road. The open sky. The open-ended nature of the journey. If you’re looking for an Ohio, Kentucky, or Indiana insurance quote for your RV, these words no doubt stir a lot of emotions. We at Roth & Reynolds respect and understand the freedom and enjoyment you get from your RV. Look no further for the best policy and coverage for Recreational Vehicles. We will provide you with a feature-rich quote specifically designed for your RV. Before discussing coverages, let’s go over the many different types of Recreational Vehicles we can insure: |
CLASS A MOTORHOME: The conventional motorhome, a Class A has a custom-built RV chassis, engine, and drive train. The entire vehicle is designed and produced by the manufacturer. Sizes range from 24 to 45 feet long CLASS B MOTORHOME: Sometimes called a camper van or conversion van, a Class B is built around a traditional passenger van or panel truck, customized with a raised roof, eating and sleeping areas, and bathroom facilities. Typically 16 to 23 feet long CLASS C MOTORHOME: Also called a mini-motorhome, Class C vehicles can have all the conveniences of Class A, scaled down. Built by the motorhome manufacturer on a traditional van frame, but with a longer, attached cab section FIFTH-WHEEL TRAVEL TRAILER: Largest of the towable trailers, these multi-level units include living, eating, bathroom, and storage facilities. Having up to three axles, they are mounted semi-truck style directly over a pickup's rear axle TRAVEL TRAILER: The quintessential trailer, this unit gets attached to the tow vehicle's bumper via a ball-mount or frame hitch. All the conveniences of a motorhome, without the motor. As with all towables, the unit can be disengaged upon arrival to allow use of the tow vehicle TOY HAULER WITH LIVING QUARTERS: A unit designed for the motorized sports equipment enthusiast, these trailers combine living quarters with storage space for motorcycles, four-wheelers, snowmobiles and the like. TRUCK CAMPER: These economical units are loaded onto and attached to the bed of a pickup truck. Available in many different sizes and specifically designed for efficient use of space, they combine the best of conventional motorhomes and towed trailers. POP-UP TENT TRAILER: Commonly called pop-ups, these small, lightweight units have flexible sides that collapse for easy towing. Primarily designed to be one step up from open-air tent camping, they expand to become quite roomy PROFESSIONAL BUS CONVERSION: This vehicle is a tour bus chassis on which a Class A motorhome shell is added. The interior is customized to the owner's specifications and remodeled for motorhome travel, including bed, bath and full kitchen. These vehicles require a commercial driver's license MEDIUM-DUTY TOW VEHICLE: Intended to tow fifth-wheels or travel trailers, these larger pickup trucks or vehicles are built on a medium-duty truck chassis and have a Gross Vehicle Weight (GVW) of 10,000 - 26,000 lbs. HORSE TRAILER WITH LIVING QUARTERS: A towed trailer designed to transport horses, these units also contain separate living quarters with all the amenities of a motorhome or travel trailer |
VEHICLE VALUE OPTIONS TOTAL LOSS REPLACEMENT/PURCHASE PRICE - Optional coverage available for RV’s purchased within the preceding 13 months that are less than or equal to two model years old. In the event of a total loss, this coverage will replace the current RV with a new or comparable make and model. - Includes all permanently attached equipment, taxes, title and license fees. - For RV’s over five years old, we will pay the purchase price as reflected on the Declarations Page. - The original purchase price guarantee can be bought if the RV is five model years old or newer and its current coverage includes Replacement Cost coverage (documentation is required) - Receipt serves as proof of value AGREED VALUE - Must be purchased for Vintage RV’s, Limited RV’s, and vehicles whose value is not available through vehicle look-up software; otherwise coverage is optional. - Vintage and Limited RV’s must be stored in a locked garage. - An appraisal completed within the past 24 months will be used to determine value. For vehicles that have been purchased in the past 24 months and that are 10 model years old or less, receipt serves as proof - For all other vehicles, an appraisal is required within 30 days from the effective date of the policy. For all vehicles over 10 years old, photos must be submitted along with the appraisal within 30 days ACTUAL CASH VALUE - Represents Actual Cash Value of the vehicle today, including permanently attached equipment - Claims are settled based on the lowest cost option of the following less any deductible and salvage: 1. Actual Cash Value 2. Repair Cost 3. Replacement of the damaged RV |
COVERAGES Bodily Injury & Property Damage Liability, Medical Payments, and Uninsured/Underinsured Motorists is much the same as for Auto Insurance. PHYSICAL DAMAGE COVERAGES: Comprehensive and Collision must be purchased together Physical Damage Only policies are allowed only on towables. Liability is extended from the vehicle doing the towing. Includes $1000 of Custom Equipment. Can only be added or deleted at renewal May require agent inspection Pays up to $1000 for the insured’s liability assumed by contract or agreement for fire department surcharges incurred when the fire department is called to save or protect your RV ROADSIDE ASSISTANCE: Optional coverage when Comprehensive & Collision are purchased. From $750 to $2000 is available. Disablement must be more than 100 miles from primary residence. Includes $1500 maximum per occurrence for towing to nearest qualified repair facility or labor on a covered disabled vehicle at the place of disablement. Up to purchased limit per occurrence for trip interruption or loss of use, subject to a $200 per day maximum limit. DEDUCTIBLE REWARD: Automatically included for no extra premium. For each claim-free renewal, $100 will accrue toward Comprehensive and Collision deductibles. All drivers on the policy must have no At-Fault accidents or major violations in the last five years. Maximum reward of $500. Deductible rewards from a prior carrier may be credited up to $200. OPTIONAL SPECIAL COVERAGES WITH COMPREHENSIVE & COLLISION: Safety Glass Replacement: Not available on towables or utility trailers. $100 deductible Awning Replacement Endorsement: Available with Total Loss Replacement. $250 deductible Mexico Baja Physical Damage: A Mexican liability policy must be purchased from a licensed Mexican company. Physical Damage Coverage is extended to the Baja peninsula Replacement Cost Personal Effects: provides Replacement Cost (no depreciation) for loss of or damage to personal property while on board an RV or being carried by an RV. Examples: clothes, portable radios or CD players, cameras, lawn chairs, and dishes. Includes $500 limit for non-owned personal effects. Scheduled Personal Effects: with an appraisal or receipt, you can specifically schedule valuable items Pleasure Use Vacation Liability: Pays up to specified limits for Bodily Injury or Property Damage for which you are legally responsible as a result of an accident that occurs while you’re using your RV as temporary residence Golf Cart Coverage: pays up to $2500 for physical damage with a $150 deductible |