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.
At Brevard Insurance Agency Inc, we help those in the Brevard, NC area find RV insurance that makes sense for their needs. Let’s examine this insurance to make it easier to understand what options are available for your needs.
Basic Insurance Types
Most types of RV insurance protect similar things like an auto insurance policy. However, there are also protection elements similar to a home if you own a livable RV. Just a few options include:
- Bodily injury liability that protects you if you cause an injury to someone with your RV
- Property damage protection that pays for any physical damage you cause with your vehicle
- Collision repair help that will pay to repair your vehicle after an accident, regardless of fault
- Comprehensive policies that pay for things like vandalism, fire, storms, and natural disasters
- Uninsured/underinsured motorist coverage to pay for problems a poorly insured driver causes
- Medical payments for you and your passengers, no matter who is at fault in the accident
Extra RV Insurance Options
You can also expand your insurance options to include a myriad of unique bonus options. Just a few that you may want to consider for this situation include:
- Roadside assistance to get 24/7 emergency help for many dangerous situations
- Towing and labor coverage to pay for getting your vehicle out of a tough spot
- Vacation liability that protects you when using your RV as a temporary resident
- Full-timer coverage designed for people who may live in their RV permanently
Take Control of Your RV Needs
As you can see, these policies cover a broad range of situations and can provide you with a lot of unique help. Therefore, it is important to contact us at Brevard Insurance Agency Inc right away to learn more. We serve the Brevard, NC, area and will provide detailed help to manage your needs.
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.
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.