{"id":26,"date":"2021-05-31T04:00:00","date_gmt":"2021-05-31T10:00:00","guid":{"rendered":"https:\/\/www.merharagency.com\/blog\/?p=26"},"modified":"2021-06-06T10:33:21","modified_gmt":"2021-06-06T16:33:21","slug":"how-to-understand-terms-with-rv-insurance-in-ohio","status":"publish","type":"post","link":"https:\/\/www.merharagency.com\/blog\/how-to-understand-terms-with-rv-insurance-in-ohio\/","title":{"rendered":"How to Understand Terms With RV Insurance in Ohio"},"content":{"rendered":"

Willoughby, OH residents love their RVs, but they sometimes don’t like the complicated insurance terms that come with RV ownership. At the Merhar Agency LLC, we think that for RV insurance in Ohio, the terms are not as complex as they sound. Like every other insurance policy you have, there are standard coverages and optional coverages.<\/p>\n

Standard Recreational Insurance<\/strong><\/p>\n

The standard coverages for recreational insurance include liability coverage, and property damage coverage.<\/p>\n

Liability coverage will cover you in the event that you are in an accident, and found to be responsible for any personal injury or wrongful death that is the result. <\/p>\n

Property damage coverage will pay for any damage to your own property, and some property in the vehicle at the time of an accident, theft, or fire. <\/p>\n

Here you could have the actual cash value, agreed upon value, or full loss replacement of your vehicle when it comes to property damage.<\/p>\n

Determining Value in RV Insurance<\/strong><\/p>\n

When you get RV insurance, a value is set in your insurance policy in the event of property damage.  The most common terms here are actual cash value, agreed value, and full loss replacement.<\/p>\n