Do I have to invest in RV insurance if I own an RV?

North Carolina RV owners are legally required to carry both liability and uninsured motorist insurance on their motorhomes and trailers. Our team at the Brevard Insurance Agency Inc. in Brevard, NC understands that RV owners may not always be clear about what’s required. This is one of the many reasons why we want to educate RV owners regarding state requirements. However, there may be other circumstances that require you to invest in more RV coverage. 

RV Insurance

If you own an RV that has a motor, you will have to invest in insurance. In essence, you should look at a motor home as a vehicle, like any other car, truck, or SUV, that happens to have a home attached to it. Any motorized vehicle that you would operate on the streets, highways, and byways is generally subject to laws that govern vehicles. You will have to carry liability insurance at the very least. This will cover damage or injuries you are liable for that may be caused by your motorhome or RV. 

If You’re Financing Your RV.

Although North Carolina only requires you to carry liability and uninsured motorists insurance to operate or drive your RV, you may be required to carry more if you are financing your RV. Like a car or a home, your lender may require you to invest in full insurance to protect your RV if something happens before it’s paid for. Of course, situations will vary. However, many lenders require you to carry full insurance if your RV isn’t paid for. 

Operating Your RV in North Carolina.

North Carolina drivers will be required to carry insurance on any RV they operate. You will still have to invest in both liability and uninsured motorist insurance from hitched trailers and luxury coaches. This type of coverage protects you if you cause damage or injury to someone’s property while operating your RV. RV owners can rest assured that we’re here to serve you by providing you with the information you really need. Call us if you have questions about your insurance options when it comes to your RV.