Maybe you live in your RV. Maybe you just go on the occasional trip. No matter how you use the vehicle, one thing is for sure – you need insurance. RV insurance in North Carolina is not optional.

Without the coverage, you should never hit the road. First, it’s illegal. Second, an RV is a huge investment. You don’t want to risk all the hard earned money you spent on the vehicle just because you forgot to get coverage.

Car Insurance & RV Insurance

Certain RV owners attach coverage to their car insurance policy. This works in certain cases. However, RVs tend to be much more expensive than a car. As such, these types of policies often don’t work well for RVs.

If you plan to cruise around in an RV, it’s better to get RV insurance. RV insurance ensures better financial protection than attaching a policy to your car insurance. This allows you a little boost of confidence.

The Basics of RV Insurance

Every RV insurance quote will be a little different. You’ll find different coverage types from each insurer. For the most part, you’ll find these types of coverage anytime you get a quote:

• Collision: If your RV is in a crash, then collision coverage will pay for the repairs to the RV.

• OTC (other-than-collision: Covers any damages to the RV, including vandalism, animal collisions, and more.

• Liability: This coverage ensures any damages you cause in a crash are covered. You’re legally required to carry a certain amount of liability coverage in every state.

• Uninsured Motorist: If you get into a crash with an uninsured motorist, this coverage will ensure you’re covered from a legal perspective. Even if a driver has coverage, but it’s not enough to pay all your bills – this coverage will ensure you’re good.

• Medical Payments: This type of coverage ensures all medical bills and injury treatment is covered – no matter who was at fault or responsible for the accident.

How to Get the Good RV Insurance Quote

Now, most RV insurance quotes will include all of the above. The standard quote will offer every coverage listed thus far. However, every vehicle owner is different. You may want more coverage.

You can also include other coverage options with your RV insurance. Most of these kinds of coverage cannot be added to a car insurance policy. Common additions include:

• Full Replacement Cost
• Vacation Liability Coverage
• Personal Property Coverage
• Full-Time RV Coverage
• Travel Expenses
• Roadside Assistance

Excluded Coverage Options

There are certain coverage options that are excluded from RV insurance. For example, most trailers or campers would not be included in your RV policy. However, you can add the trailer to the RV. It’s just not an automatic thing until you officially add the trailer to the policy.

If you plan to travel outside of the United States or Canada with your RV, you’ll need to look into different coverage options. Mexico travel is not covered in most RV policies.

Find the Good Quote Match

A good way to find the ideal RV insurance policy is to reach out to your agent. Talk about what type of coverage you want and how you plan to use your RV. Get multiple quotes and find a good matching option for your needs.

 

We can help with that. Just contact our team at ProtectiveAgency.com or call (877) 739-9367. Our licensed insurance agents will be happy to answer any questions you have.