Multi Insurance Policies in Ohio

I wouldn't be too concerned about throwing the trailer in with the house and cars. Definitely insure house and at least 2 cars with one major provider. Basically there are two types of customers-- those that want an agent and those that don't. If you want an agent I'd go shop 2 or 3 Independent agents that represent many different companies and toss the house and 2 cars in the pot. If you don't want an agent get used to having your email account and home phone blow up when you spend an afternoon on the Interwebs searching for deals. You can typically insure a trailer through many different companies that specialize in RV's and you can add the 3rd vehicle (use the oldest) to get a multi-vehicle discount. Ask the RV Insurance people how (or if) the awning is covered. If you're still paying for the RV ask about enhanced total loss coverage that covers the cost of the loan; ask about diminishing deductibles that reduce your deductible every year until you hit $0. Good Sam; Blue Sky; Allied are all decent carriers for RV's.