RV Insurance explained: Your guide to Saving More!

Your RV Insurance coverage options in Arizona & Ohio

This RV insurance coverage explained article provides more information to help you meet your RV Insurance needs & Save up to 35%! If you have more questions, feel free to call or Request More Information.

As covered on the main Auto Insurance Basics page, there are some basic coverages that may be required by the State you live in. There are additional coverages that can be customized to provide more protection for pennies on the dollar and we cover those here.

Arizona auto, home & life insurance is as unique as you are!

Motorhome insurance can protect your RV, travel trailer, camper and even your horse trailer. Here at PJS Insurance Services, let us help you select the right coverage for your RV needs and get a great price at the same time.

RV Insurance Arizona & Ohio - What to consider when shopping for the best price?

RVs that are for personal, recreational use can be insured for up to 250 days per year. This gives you plenty of time to travel south or up north, enjoy some warmer winter weather or getting away from the heat with that extended vacation and is the main purpose of this article.

Make sure to let us know if you are making the jump to joining the full-time RV Lifestyle. Coverage year round between your travels and RV parks present additional risks. The type of coverages remain the same but factors such as miles driven and properly securing your RV are our primary focus. Additionally, some RVer's, still plan to use their RV part-time but are considering "Renting to others" for profit or offsetting costs associated with the upkeep of their RV.

Keep reading below if you are considering the full-time or rental of your RV in Arizona or Ohio.

Liability coverage - Hit the road with the right coverage

Provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state.

You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include:

• Stated Value - market value/actual cash value of the RV

• Agreed Value – the insured amount, regardless of the current market value

• Replacement Cost – we will replace your insured RV with a new RV that is most like it

Consider Vacation Liability coverage

For when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

Personal Effect Coverage

Provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.

Some Arizona & Ohio RV insurance policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.

Ask if customer assistance is available 24/7 to answer all your insurance questions. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Are there additional coverages?

Yes, this can include: Accident forgiveness, pet coverage, diminishing deductible, and more.

What other discounts can lower my premium?

Ask PJS Insurance Services whether you qualify for safe driver discounts, original owner discounts, package discounts and more for your Motorhome insurance coverage.

You can save money if you insure more than one item with a single company, including your home, cars, motorcycles, classic cars and boats. It will also simplify your life.

This article has been updated on 01/12/2024 to ensure you have the right coverage if considering the full-time RV lifestyle or Renting to Others.

Arizona RV insurance - adopting the Full time lifestyle

Knowing how you’ll use your RV in Arizona or Ohio is the best gauge for the type of RV insurance worth looking at. And if you plan on using your motorhome for most of the year — well, full time RV insurance may be right up your alley.

What is full time RV insurance?

Full time RV insurance is designed to protect owners who use their RV either as a primary residence or who live in their RV six months out of the year. Full time insurance is similar to home insurance — it covers you for personal liability, injuries, property damage, and other losses that may happen while the RV is parked.

Why is full time RV insurance so important?

Living in an RV full-time means you’re exposed to certain risks that part-timers simply aren’t. if your motorhome is damaged and unlivable, you’d likely need temporary accommodations until it’s repaired or replaced. If a guest is injured in your home and sues, you might need to cover medical and legal fees. And if you live in an RV park, there are other things to think about, like HOA fees for repairs. With full time RV coverage, you’d be covered for all of those risks and more.

Ohio RV Insurance - options for renting out your RV

Renting out your RV in Ohio or Arizona is a great way to make extra cash. But too many owners new to renting overlook the insurance details, which can leave you exposed to risk.

Summary:

• Roamly offers personal RV insurance that allows you to rent and it only covers you outside of the rental period. Most insurance companies don't allow you to rent.

• Outdoorsy offers insurance during the rentals. This insurance covers both owners and renters as long as you and your renters meet the requirements.

Can I just keep my existing RV insurance?

For starters, the type of insurance you need completely changes once you begin renting out your RV on sites like Outdoorsy. In fact, most traditional RV insurance companies don’t allow you to rent out your RV. They often deny claims related to rentals and may even drop your coverage entirely if they learn you’ve been renting.

You now need two different types of rv insurance

Two types? Yes, you read that correctly. When renting out your RV on sites like Outdoorsy, there are two basic types of insurance you now need:

1. Insurance that covers you during the rental period, and

2. Insurance outside of the rental period that allows you to rent

As an owner you might think that the RV insurance you get from a traditional insurance company covers both of these uses, but (shocker) it almost always doesn't cover either of them. Think of Rideshare insurance and the periods of coverage as an example.

Insurance during the rental period

This insurance covers your RV while other people are renting it out. The easiest way to ensure your RV is covered during the trip is through Outdoorsy. In fact, Outdoorsy offers the most robust levels of insurance compared to other rental platforms.

Insurance that allows you to rent

Where things get tricky is finding the second kind of insurance. This is coverage for the time outside of the rental trip that allows you to rent. The truth is that most traditional insurance policies are written specifically to not allow you to rent. Insurance folks call it a commercial exclusion. The few insurance companies that do allow renting usually make you tell them each time and may require you to pay an additional daily fee for renting.

While renting out your RV is an excellent way to make money it does change your insurance needs. Unfortunately, traditional RV insurance doesn’t cover your new needs, even if you’re paying your insurance premiums on time.

What PJS Insurance Services & Roamly can offer RV owners in Arizona & Ohio

Did you know you could save an average of 35% compared to other insurance companies by getting a comprehensive plan with Roamly? This insurance company was created by passionate RV owners,so they know exactly the type of coverage you need for your RV. No more paying for expensive features you don’t need.

Additionally, Roamly doesn’t stop covering your RV if you decide you want to rent it out on peer-to-peer networks like Outdoorsy. That means you can make extra money when you’re not using your RV. Contact PJS Insurance Services in Mesa, Gilbert & Queen Creek, Arizona or, reach out to us in Toledo, Sylvania & Ottawa Hills, Ohio to get the Right coverage, Right away!

Serving Mesa, Gilbert, Queen Creek and the state of Arizona. PJS Insurance Services should be your first and last stop when looking for Arizona RV insurance.

There is a difference. To find out how your Arizona Independent insurance agent can help you find the Best RV insurance Gilbert AZ, please contact PJS Insurance Services. Give us a call today at (602) 750-0616.

Now serving Toledo, Sylvania, Ottawa Hills and the state of Ohio. PJS Insurance Services offers you more choices and customized coverages at the lowest price.

Experience the difference. To find out how your Ottawa Hills Independent insurance agency can help you find the right Ohio RV insurance, please contact PJS Insurance Services. Give us a call today at (419) 318-9130.

Auto Insurance in Arizona or Ohio-have more questions?

Call PJS Insurance Services at (602) 750-0616 in Mesa, AZ or (419) 318-9130 in Toledo, OH.

Feel free to go to the main Auto Insurance Basics page for more information. There are a lot of different types of coverages for a lot of different types of vehicles. Here to help with the lowest prices from the best companies.

Select your choice below for additional information and coverage options to customize your plan or send me your questions here.