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.
