It doesn’t matter if you’re tailgating on Tobacco Road, enjoying the Appalachians, or crossing the country – you need RV insurance in North Carolina.

 

Your RV can provide tons of travel time for your family. You get to hit the road in style and enjoy creature comforts as you travel along. The key is to help protect your motorhome like it helps protect you. You need to get great North Carolina RV insurance.

 

What is North Carolina RV Insurance?

 

Just like car insurance, RV insurance works the same for motorhomes. It doesn’t matter what type of RV you own, getting proper RV coverage is not only a good idea – it’s usually mandatory before hitting the road.

 

There are different levels available to owners, and each comes with differing coverage costs. Working with a professional RV insurance agent in North Carolina can help you find the ideal policy for your budget and needs.

 

Types of RVs You May Insure

 

It’s important to note that there are a variety of RVs, motorhomes, and campers that require insurance in North Carolina. Common vehicles you can insure include:

 

 

• Bus Conversions

• Class A motorhomes

• Class B camper vans

• Class C motorhomes

• Travel trailers

• Truck trailers

• Tent trailers

• Fifth wheels

• Toy hauler trailers

 

 

How Does RV Insurance Work in North Carolina?

 

If you’re ready to buy RV insurance in North Carolina, let’s dive into how things work. First, there are a few coverage options. Similar to car insurance, you’ll find you can purchase:

 

• Collision: This coverage helps protect your RV if you get into a collision.

 

• Liability: This policy will help protect you from any costs stemming from lawsuits that result from a wreck you caused.

 

• OTC (other-than-collision): Like auto insurance, OTC RV coverage includes collision, liability, and if anything happens to your RV that’s not from an accident. One example of this could be if hail damages your RV.

 

• Uninsured Motorist: If a driver who is uninsured or underinsured damages your RV, this coverage will make sure you still have the proper coverage you need to repair your vehicle.

 

As RVs are different than cars, there are also a few specialty RV coverages. Popular policy add-ons include:

 

• Campsite and Vacation: This coverage works when using your RV on a campsite or at a temporary location.

 

• Personal Belongings: You carry personal belongings on board a motorhome. This coverage will ensure they are included, too.

 

• Equipment Security: From the satellite dish to the motorcycle attached to the back of the RV, you’ll need additional coverage for equipment and items left outside the RV.

 

• Emergency Expenses: If your RV is damaged and you cannot stay in it for a certain amount of time, emergency expense coverage will allow you to pay for temporary living and travel costs.

 

• Towing: You can also add towing and roadside assistance to any RV insurance policy in North Carolina.

 

What to Do If Your RV is Your Residence?

 

It’s important to note that users who live in their RV full time will have some additional coverage requirements that part-time RV users won’t.

 

If you use your RV full-time, then you’ll find coverage is comparable to homeowners’ insurance. You’ll need personal liability, loss assessment, medical payments, and a variety of other coverage options.

 

Is RV Coverage Mandatory in North Carolina?

 

Yes, it is required to carry RV insurance in North Carolina. The state requires every kind of motorhome or trailer to have both liability and uninsured motorist coverage.

 

You are required to carry at least $30,000 in bodily injury liability for one individual and a minimum of $60,000 for all involved. North Carolina law also states that you’ll need $25,000 minimum for property damage liability.

 

While these are the minimums required in the state, most North Carolina insurance agents recommend you carry more than the state minimum coverage, especially when driving around in an expensive motorhome.

 

Lastly, don’t forget about uninsured motorist coverage in North Carolina. RVs can be pricey, and you don’t want to get involved in a wreck with a driver who doesn’t have proper coverage. Without uninsured motorist, your whole motorhome investment could be put a risk each time you hit the road.

 

Find the Perfect RV Insurance in North Carolina

 

For more information on finding the ideal North Carolina RV insurance, get in touch today. The professional insurance agents at Protective Agency are waiting to hear from you.

 

We want to help you find the perfect RV insurance for your needs. We can help you meet state minimums or get you as good a plan as possible – all at a price you can afford. Please ontact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.