Recreational Vehicle Insurance

Recreational vehicles (RVs) double as both homes and vehicles, so they are vulnerable to various risks. RV insurance is essential to protect yourself from paying significant out-of-pocket expenses following an accident.

What Does RV Insurance Cover?

A standard RV insurance policy might consist of the following coverages:

·        Liability insurance helps insure against damage or injuries you cause to others if you are at fault in a wreck.

·        Collision insurance helps cover damage to your vehicle after a wreck.

·        Comprehensive insurance helps pay for vehicle damage from non-accident mishaps, such as weather damage.

·        Medical payments coverage helps cover your medical bills and passengers’ expenses.

·        Uninsured/underinsured insurance helps insure you against damage caused by someone else who doesn’t have appropriate liability coverage.

·        Campsite and vacation coverage helps cover liabilities associated with using the RV as a vacation property.

·        Full-time residence insurance is intended for those permanently living in their RVs.

Other coverage options include help for roadside assistance, rental car coverage and expenses protection (such as for emergency hotel bills).

How Much RV Insurance Do I Need?

North Carolina requires all RV owners to carry liability and uninsured motorist coverage. Coverage needs may vary depending on factors such as RV usage and how many operators you plan to list on your policy. Having RV insurance provides financial protection for you and anyone involved in an accident.

Learn More

If you live near Waynesville, North Carolina, we can help. The agents at Overbay Insurance Services can help you learn more about RV insurance policies so you can decide on the right coverage for your motorhome.

For more information, contact us today at 828-452-4699.