Motorcycle, Boat & RV
Insurance in Ohio

insurance in Ohio

Malhotra & Assoc. Insurance Has You Covered

Ohio Recreation Insurance Experts

As an Independent Insurance Agency, our friendly team of RV, motorcycle, and boat insurance experts in Ohio can help you get the right coverage at the right price for your recreational hobbies. Regardless of the type or amount of coverage you require, we will create a tailored package that suits your individual needs and budget.

Whether you use your RV as a full-time residence or simply for recreational use, we can help ensure you get the right Ohio recreational insurance to cover you for any and all situations. 

We offer honest advice, affordable prices, and a truly personalized service for any Recreational insurance needs.

Recreational vehicles are great for road trips, low-key vacations, and camping out. When you take your RV to the park, your motorcycle into the mountains, or your boat onto the lake, there is a chance you could have an accident, get caught in a storm, or find your property damaged by curious animals. 

Malhotra & Assoc. Insurance works closely with recreational vehicle owners to tailor insurance policies for each of our client’s individual needs. With dedicated insurance professionals and decades of experience, we will match you with the perfect policy.

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Ohio Recreation insurance

Frequently Asked Questions

When it comes to boat, motorcycle, and RV insurance in Ohio, we tend to get the same questions often.

How is the Cost of Ohio RV Insurance Calculated?

The price of insuring an RV in Ohio is dependent on a number of factors. The individual state requirements, the purpose of the coverage, deductibles, liability limits, the level of coverage, the value of the RV, and your driving history will all determine the price you will pay. 

Does RV Insurance Cover Other Drivers?

In Ohio, RV insurance may or may not cover other drivers. If you rent out the RV or exchange money to allow someone else to drive or live in the RV, they will not be covered under your insurance. Your policy may only allow family members listed on the policy to operate the vehicle. Ask your insurance agent about any questions you have regarding other people operating the RV.

Get Insured Today with Malhotra & Assoc. Insurance

At Malhotra & Assoc. Insurance, we work with top carriers to find and develop a recreation insurance policy that best protects all of your hobbies. Give us a call today or visit us at one of our locations!

What Does RV Insurance Cover?

A full-coverage RV insurance policy generally includes the below:

Comprehensive Coverage

Comprehensive coverage provides compensation for damages to your RV due to fire, wind, hail, explosions, lightning, smoke, theft, vandalism, and other incidents not involving collisions.

Collision Coverage

Collision coverage provides compensation for damages to your RV due to collisions with another vehicle or object.


Liability insurance covers bodily injuries or property damage you may cause someone else while operating the insured RV. This coverage can help pay for a victim’s medical bills or property damage, as well as offer legal expense compensation in case of a lawsuit.

Medical Payments

Medical payments coverage helps with medical expenses for the RV’s driver and their passengers after an accident, no matter who is at fault.

Uninsured/Underinsured Motorist

This insurance covers expenses related to an accident involving a driver not carrying insurance.

Roadside Assistance

Roadside assistance helps with expenses related to trip interruptions, such as needing a jumpstart or a tow.

You can also add vacation liability to your RV policy. This protects you against accidents that occur while the RV is parked and being used as a residence, such as if you camp out in your RV for vacation over a few weeks. 

As with all types of coverage, there are many moving parts to consider, each of which represents your individual needs and your budget. At Malhotra & Assoc. Insurance, we can help you understand these options clearly and establish exactly what you do and do not need. 

If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your motorcycle, boat, or RV insurance quote immediately. 

What’s Included in an Ohio Boat Insurance Policy?

If you’re considering insuring a boat in Ohio, these are the elements of coverage you can expect in your policy. Boat insurance can be tailored for personal watercraft, sailboats, or motorboats in the event it is damaged, stolen, involved in an accident, or if you cause damage to property or a third-party.

Boat insurance inclusions and levels of coverage can vary depending on the insurer you choose. Here’s a summary of what elements can be included in your quote for coverage. 

Property Damage

This could be damage caused to other boats or docks by your vessel. When you buy property coverage for a boat, there are a few options to consider. Most types of boat insurance will cover the vessel when it is on land or water.

Bodily Damage

This is designed to cover any bodily injury to third parties that is caused by your vessel. 

Damage to Your Own Vessel 

You will need to decide whether or not you would like agreed amount coverage or actual cash value coverage. Where repairs and replacement options are concerned, actual cash value coverage will account for depreciation before they pay out. With agreed amount coverage, this will help to pay for repairs to an agreed amount that is defined when you buy the coverage. 

Liability Insurance 

If you cause an accident that results in damage to another person’s property, having liability coverage could help you cover expenses that are incurred as a result of the accident. 

Uninsured Watercraft Coverage

If an uninsured vessel collides with your boat, and this results in damage to your watercraft, yourself, or your passengers, this could help pay for any resulting expenses. 

Medical Payments Coverage

Medical payment insurance is designed to help you or your passengers pay for medical expenses such as x-rays, medication, or hospital bills that are incurred as a result of an accident on your boat. 

Other elements of coverage that you might want to consider could be:

  • Property damage that is caused to fishing equipment or other special equipment
  • Towing assistance 
  • Fire, flood, vandalism, and theft
  • Boat trailer insurance
  • Boat accessories coverage for items such as geo-location or radar tools
  • Spills and wreckage removal coverage

There are many variations of coverage when you need to insure a boat in Ohio. What’s right for you will depend on the type of policy you buy, your vessel, and the specific body of water you intend to use your boat on. 

If you would like to find out the cost of boat insurance in Ohio, we can help you get a clear understanding of your options. 

If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your boat insurance quote immediately. 

What’s Included in Ohio Motorcycle Insurance?

If you want to get your motorcycle insured, it’s important to know your coverage options. 

The coverage minimums for motorcycle mean you must carry at least $25,000 in property damage liability, $25,000 per person, and $50,000 per accident for any injuries you cause. However, there are other coverages for your motorcycle you should consider as well. 

Uninsured and Underinsured Coverage for Motorcyclists

If you are involved in an accident with a vehicle and the driver does not hold insurance at all, or they don’t have enough coverage in place, you could be left with medical debts to cover from your own pocket.  

Comprehensive Coverage for a Motorcycle 

It gives you protection for events such as wind, water, fire, vandalism, and theft. If you are financing a motorcycle, then your lender will likely insist that you have comprehensive coverage in place. However, even if you own your motorcycle in full, then you have to balance the need to cover your vehicle with the cost of coverage. For older models, your coverage will cost less, but if you’ve invested money into your motorcycle, you’ll want to make sure it’s covered. 

If you’re unsure of the costs, then speak with our team to find out the cost of a comprehensive motorcycle insurance policy in Ohio. They will gladly discuss your options with you and help you crunch the numbers before you choose the best coverage for your motorcycle based on its value and usage.  

Collision Coverage for a Motorcycle 

This coverage will protect your motorcycle from collisions with other vehicles, people, and objects. 

Medical Payments Coverage

This can give you coverage for items such as dental care, medication, deductibles, and medical co-payments from other health insurance policies. It may also cover funeral expenses or home nursing care. 

Bodily Injury Coverage

This type of protection can cover specific costs if you injure or kill a third-party in an at-fault accident. It also provides coverage for your passengers. 

Custom Bike Coverage Options

If you’re lucky enough to own or ride a custom motorcycle, there are two additional coverage options you might also want to consider. Custom parts coverage and accessories coverage.

Accessories coverage can protect items such as backrests, saddlebags, and chrome pieces. Some insurers might require you to buy comprehensive, and collision coverage for your bike before you are eligible to buy this additional insurance. 

Custom parts coverage is designed to protect items such as pipes or handmade tanks. 

Personal Injury Protection Insurance

This is usually offered as an extension and can cover some medical expenses, lost wages, and other damages. Personal Injury Protection is typically paid out regardless of liability.  

Optional Roadside Assistance for Motorcycles

This is designed to help you in the event of a breakdown where there is a mechanical failure that leaves you stranded.

If you are looking to buy motorcycle insurance in Ohio, our team can talk you through the options, and give you quotes and offer guidance on your insurance options. 

If you prefer, you can submit a few details quickly using this quote form, and a member of the team will get started on your motorcycle insurance quote immediately. 

More Frequently Asked Questions about Ohio Recreation Insurance

What Types of RV Can We Insure?

Whether you are towing or driving an RV, be it for recreation or permanent residence, we can help. The most common examples of Ohio RVs we insure include:

  • Class A Motorhomes 
  • Class B Motorhomes 
  • Class C Motorhomes 
  • Pop-up Campers 
  • Conventional Trailers
  • Cargo or Horse Trailers
  • Utility Trailers
  • Fifth-Wheel Trailers
  • Truck Campers

How Much RV Insurance Do You Need to Buy?

Your RV insurance needs vary depending on the value of your RV. You will want enough coverage to cover the replacement cost value of your RV along with meeting the minimum liability requirements. However, you can raise your limits to provide more protection for your RV.

In Ohio, RV owners must carry at least:

  • $12,500 in bodily injury liability per person
  • $25,000 bodily injury liability per accident
  • $7,500 property damage liability

Does My Car Insurance Cover My RV?

Car insurance may only give you specific liability coverage for RV trailers. For damages to the physical RV, you will need tailored RV insurance.

What Does RV Usage Coverage?

RV usage coverage concerns the classification of your RV. There are three main classes, labeled A, B, and C. These classifications are partially determined by the vehicle’s intended use. Usage means how much you use the RV and what you use it for. An RV owner who only uses their RV twice a year to go camping may fall under a different class and need a different policy than someone who lives in their RV full-time, for example.

Whether you already have RV insurance or you’re looking to find out the cost of buying RV insurance in Ohio, we are here to help you get the answers you need. We’ll make it quick and easy to find out the cost of insuring your RV.

Contact Us Today for an Ohio Recreation Insurance Quote

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