South Carolina RV Insurance

From the sandy shores of Myrtle Beach and cobblestone streets of Charleston to the great outdoors of Congaree National Park and the Sumter National Forest, there are so many incredible places to visit in South Carolina. You could rack up a small fortune in hotel fees or, as you’ve probably already done, buy an RV to see many more places in a shorter period of time — for far less money.

But before you hit the open road in your rig, there are some crucial things you need to know about South Carolina RV insurance. From what it covers and how much it costs to the state’s requirements and so much more, we’ll break down everything you need to know.

RV insurance in South Carolina can cover a multitude of different perils that extend to your RV, other vehicles, property damage and injuries due to an accident. However, you must have the proper policy in place to ensure you’re getting those added benefits. Let’s take a look at the common types of coverage available for RV owners in the Palmetto State.

Bodily injury liability is legally required for all RV insurance policies in South Carolina. The state mandates drivers must enroll in coverage with at least $25,000 per person and $50,000 per accident. This coverage is designed to pay the medical bills of anyone who gets hurt if you caused an accident up to your policy’s maximum.

If the injured party or parties sue you, it can also help cover the legal fees associated with the lawsuits. Since RVs are large and can cause much more damage to individuals if involved in an accident, we suggest enrolling in more than the state’s minimum coverage amounts.

But bodily injury liability is only required for drivable RVs. Towable RVs like pop-up campers and 5th wheels piggyback off the auto insurance policy of the vehicle towing them, so they’ll have coverage while they’re on the road.

Legally required in all South Carolina RV insurance policies to the tune of $25,000 per accident, property damage liability helps pay for damage you cause to people’s vehicles or property, such as accidentally backing into and destroying a home’s wooden fence. As with any auto liability coverage, it only kicks in when you’re at fault and never pays for any damage your rig sustains.

Like the previous liability coverage, property damage liability is also only required for drivable RVs. Towable travel trailers also piggyback off the auto policy of the vehicle towing them, so they’ll have coverage while on the road. However, towable travel trailers only have coverage while they’re connected to the vehicle towing them, so they’ll become uninsured the second they’re unhooked.

All vehicles in South Carolina, including drivable RVs, must maintain a minimum of $25,000 per person and $50,000 per accident of uninsured motorist bodily injury coverage and $25,000 per accident of uninsured motorist property damage coverage.

This can help cover damage to your rig and injuries to people inside it if you’re involved in an accident with a driver who’s at fault and doesn’t have auto insurance. Many auto policies are greatly underinsured to pay for damages to RVs since they’re quite expensive to repair, especially if your rig is deemed to be totaled by your insurer.

Whether an accident was your fault or not, collision coverage is designed to pay up to your policy’s maximums for the cost of damage to your RV. It could help supplement your policy’s uninsured motorist property damage coverage to help pay for all damages to your RV. This coverage is available, and highly recommended, for both drivable and towable RVs.

Comprehensive coverage is designed to cover damages to your RV that are caused by instances that don’t involve another vehicle and are mostly out of your control. Coverage can kick in for things like vandalism or theft of your RV, damage due to a natural disaster like a flood or sandstorm.

It can also cover other accidental incidents, such as driving away with your awning open and sideswiping it off your rig or hitting a low underpass and damaging your rig’s roof.

If anyone in your RV gets injured, whether you’re at fault or not, medical payments coverage is designed to help pay for medical expenses after the accident. Depending on your insurer, this coverage may only be available for drivable RVs since people really shouldn’t be riding in towed RVs, and anyone inside the vehicle towing an RV could already have coverage through an auto insurance policy.

Personal effects replacement coverage was designed to bridge the gap between too little and just enough coverage for your personal belongings. If belongings kept inside your RV are damaged, destroyed or stolen, including bikes attached to the back of your rig, this can help cover up to $5,000 worth of damage.

Coverage only applies to possessions not built into your RV. So belongings like electronics and mattresses likely would be covered, while bed frames and couches likely wouldn’t be covered. RVers, especially necessary for those classified as full-timers, may be able to add an endorsement to their policy to receive up to $100,000 in coverage per claim.

Total loss replacement coverage can help cover newer RVs if they’re deemed by your insurer to be totaled. designed solely for newer-model RVs.

An RV insurance company typically has payouts in place that represent reimbursement for the original purchase price or replaced with a similar model if totaled within the first four years, reimbursement of either the price you paid or the actual cash value if totaled in years five to seven, and reimbursement of the actual cash value it totaled after seven years.

Roadside assistance is typically only needed for drivable RVs since towable RVs don’t run into the same major mechanical issues. It’s an add-on that can help pay for 24-hour assistance needed on the road that covers things like delivering a new battery or gas, jumpstarting your engine or fixing a flat.

Also likely only needed for drivable RVs since towable RVs can already be towed by your vehicle, the towing & labor add-on can save you a significant amount of money if your drivable RV breaks down in the middle of nowhere and it must be towed to the nearest shop — which could be hundreds of miles away.

Vacation liability coverage can be added to both drivable and towable RV insurance policies. It can financially protect you if you accidentally cause damage to property or an injury to someone else while your RV is parked at a designated campsite, but it usually excludes undeveloped campsites located on public lands.

All RV insurance policies for drivable rigs in South Carolina are legally required to include bodily injury liability coverage ($25,000 per person, $50,000 per accident), property damage liability coverage ($25,000 per accident), uninsured motorist bodily injury coverage ($25,000 per person, $50,000 per accident) and uninsured motorist property damage coverage ($20,000 per accident).

Also, if you still owe money on a financed RV, whether it’s drivable or towable, your lender will likely require you to purchase RV insurance that includes collision and comprehensive coverage, which are considered full coverage.

The average cost of RV insurance in South Carolina is widely varied, but it can cost from a few hundred dollars to a few thousand dollars a year. The price you pay greatly depends on whether your RV is drivable or towable, how much coverage you enroll in, the replacement cost of your rig, how often you use it and many other factors also used to determine auto rates.

As an insurance agency operating in South Carolina, Clovered partners with the state’s top insurers to provide our customers with the best policy at the best price. Simply enter some information about your rig and driving history into our easy-to-use RV insurance quoting form and one of our agents will find the perfect policy for you.