Multi Insurance Policies in Ohio

I have everything except my motorcycle insured through Celina insurance based in Celina Ohio. They have been very competitive to the big guys.

In Florida, they don't bother with giving you a cut rate to get your business. They just hit you with the triple rates up front. Guess they're affraid the hurricane will come that first year.

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.

just start calling around and do one insurance policy.

look at the 'discounts' too, like the over 55 good driver exam that will give you a discount. there are others too. Do seasonal insurance on trailer?

stop full coverage, increase deductibles to $1K.

We look every year. As said you get a good price for a year maybe 2 and then bam it hits the sky

This is a very common practace with Insurance companies!!! They get you to switch to them with a great quote and then after a year or so they stick it to you.
My experence: had State Farm, got skyhigh. Switch to Good Sam (GMAC).
Price was HALF!!!! After first year - price TRIPLED!!!! Switched to Farmers. Price was a third less. Waiting to see what they do after a year!!
Yet every company will save you $500 over all the rest. How do you figure!!!

Take all your insurance needs and put them in one basket. Then take that basket to different insurance companies agents and have them give you an itemized quote. Find the one that is lowest and works best for you.

They have no loyalty to you! Why have loyalty to them?