Do you own a motorhome? If so, protect it with an RV insurance policy from the Brevard Insurance Agency Inc. If you live in or around Brevard, NC, we can answer any questions you may have about this coverage.
Why RV Insurance?
RV insurance will cover you if you cause injury or damage to others. It will pay for the expenses associated with damage to your vehicle if the incident is covered. The variety of coverage available is based on how you use your RV – recreationally or as a full-time residence.
The bottom line is, if you live in your RV, either part-time or full-time, you need insurance coverage for it. The exception to this rule is for towable trailers. RV insurance has much of the same coverage you will find on a standard auto policy, but you cannot count on your automobile insurance policy to protect your RV.
RVs are large vehicles and can do serious damage if in an accident. Pay attention to the amount of liability coverage you purchase. Only an RV insurance policy will cover liability for an RV. Your auto liability covers you for accidents while driving the RV, but vacation liability will extend coverage for accidents occurring in or around a parked RV while you are on a road trip or vacation.
Your premium payment for the RV will depend on how much you use it. Premiums can range from $200 to $3000 annually. A full-time user can expect to pay as much as $2,000 or more, while part-time usage will be around $1,000.
As RVs are not used in the same fashion as cars, you must purchase special insurance for them. The RV is like a small house, so different insurance is needed for it.
Give Us A Call
Our Brevard, NC team of insurance experts at Brevard Insurance Agency Inc. can provide a quote or answer any questions you may have about this coverage. Contact us today.