Understanding Insurance Coverage When Hosting Guests in Your RV

Posted on October 31, 2025October 24, 2025 by admin

Hosting friends or family in your RV can turn a simple road trip into a mini–family reunion. Potluck dinners, late-night stories, kids in and out of the bunk … great memories, until someone slips on the steps or bumps the awning. If you’re based in Ohio (or roaming beyond it), it helps to know how your RV insurance through Bonvenuto Financial Group LLC, serving Uniontown, OH, responds when guests are part of the plan.

Liability Coverage for Guests

If a guest is injured in or around your RV and you’re found responsible, liability coverage can help with medical bills and legal defense. Think wet flooring after a rainstorm, a misstep off the entry step, or a grill mishap. Some policies also include medical payments to others, which can cover smaller injuries without a liability determination. This is handy for keeping friendships intact while claims are sorted out.

Damage Guests Cause to the RV

Even well-meaning friends can crack a cabinet door or pop a screen. Collision or comprehensive coverage may apply, depending on how the damage happened (backing into a post versus wind blowing a tree branch). Personal property inside the RV isn’t always fully covered, so ask how your policy treats things like tablets, cameras, or that new camp coffee maker.

Who’s Driving, and Are They Allowed?

If a guest will take a turn behind the wheel, confirm whether your policy allows permissive drivers and if any age or license restrictions apply. Some policies require named drivers; others don’t.

Weather, Ohio Curveballs, and Beyond

Ohio’s sudden wind, hail, and fast-moving storms make comprehensive coverage essential while you’re parked or rolling. Earthquakes are rare here, but if you travel out of state, check whether your policy excludes ground movement and what endorsements, or policy add-ons, are available.

Inviting people into your RV should feel easy. A short coverage review for liability, comprehensive/collision, other drivers, and personal property lets you focus on the trip, not the what-ifs. Contact Bonvenuto Financial Group LLC, serving Uniontown, OH, to learn more.

Do All RVs Need the Same Insurance?

Posted on November 26, 2024November 25, 2024 by admin

The RV category includes motorized vehicles or motorhomes that operate under their own power and towable trailers pulled by another vehicle. The motorized-towable distinction is the primary differentiator for insurance needs, but other issues also arise. Our Bonvenuto Financial Group LLC team serves the Uniontown, OH, area and will help you obtain the RV coverage that suits your needs.

RV Types and Insurance

RV insurance covers Class A, B, C, and towable RVs, which can vary widely from relatively modest to luxurious.

Class A RVs are generally high-end vehicles built on a truck or bus chassis. Many expand with slide-outs, have a kitchen, bathroom, full-screen TV, and other amenities, and sleep up to eight people.

Class B RVs sit on van frames and sleep one or two. They may include a small galley, a refrigerator, and a mini bathroom. Their seating converts into sleeping areas. Class C RVs sit on cutaway truck chassis and often have sleeping space over the cab. Towable RVs, also called fifth-wheel campers or trailers, are pulled by another vehicle.

By law, towable RVs do not require insurance. The towing vehicle is responsible, but most owners upgrade the towing vehicle insurance to handle the increased liability.

Ohio law requires that Class A, B, and C RVs carry the minimum insurance required of any motorized vehicle. Most owners add collision, comprehensive, and other insurance elements similar to home insurance that cover personal possessions and liabilities when the RV is parked.

Working With Bonvenuto Financial Group LLC

Our Bonvenuto Financial Group LLC team serves RV owners in the Uniontown, OH, area. Let us help create a plan for your RV and other insurance needs. Call us today at (330) 699-9925 or stop by the office for the coverage you need.

Here’s What Your RV Insurance Does When You Go Camping

Posted on December 19, 2023January 2, 2024 by admin

If you plan on going camping with your RV soon, it’s important to contact us at Bonvenuto Financial Group LLC to learn more about how insurance can help. When you’re camping, your Uniontown, OH area RV policy can protect you from a myriad of common problems and keep you safe.

Liability Coverage

If you host people during your camping trip and they get hurt in your RV, your insurance policy should protect you. Furthermore, it can also help you if you get into an accident with your RV and can minimize the amount of money you have to spend on this process.

Collision Protection

If you get into a crash and you’re not to blame, your policy may help you if the other driver lacks a suitable policy. It may also help you if you damage property, such as campground items, while driving and end up causing serious long-term damage.

Camping Damage Protection

Did your RV get damaged by unexpected weather changes, like snow, ice, and even high winds? Your insurance can help keep you safe by minimizing how much you have to pay. You’ll get support repairing these issues to mitigate any long-term problems.

Roadside Coverage

Are you worried about what happens if your vehicle breaks down on the side of the road? That’s understandable, and you can avoid serious issues by getting insurance. Most have roadside protection that includes towing, gas delivery, and even help to get you going again.

Keep Yourself Safe

Call us at Bonvenuto Financial Group LLC to get the Uniontown, OH RV protection that you need for your vehicle. Our team will sit down with you, talk about your protection, and find a way to support your needs. It’s our goal to provide the long-term help that you need for your vehicle.