North Carolina RV Insurance

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North Carolina is an outdoorsy dream. From the wildlife-filled, mountainous corners of Great Smoky Mountains National Park and the infamous Blue Ridge Park to the pristine beaches spanning the Outer Banks and the rest of the coastline. But the best way to see the state in its entirety is by RV.

With thousands of campsites ready and waiting for your next trip, there’s still one thing you need to do before packing your gear, hitting the open road and lighting the campfire. You’re going to need North Carolina RV insurance. After all, it’s legally required for most rigs.

Is RV Insurance in North Carolina Required?

If you own a drivable RV in North Carolina, then certain RV insurance coverages are legally required by your state. North Carolina’s minimum state requirements are $30,000 per person and $60,000 per accident of bodily injury liability, $25,000 per accident of property damage liability, $30,000 per person and $60,000 per accident of uninsured motorist bodily injury coverage and $25,000 per accident of uninsured motorist property damage coverage.

However, towable travel trailers (like 5th wheels, pop-up campers and truck bed campers) are exempt from this law because they receive liability coverage from the auto insurance policy of the vehicle towing them. But that coverage only applies while they’re connected to the vehicle. The moment a travel trailer is disconnected, the coverage discontinues.

However, if you borrowed money to buy your RV and you still owe money to your lender, they can require you to purchase and maintain RV insurance until the loan is paid in full — for both drivable and towable RVs.

What Does North Carolina RV Insurance Cover?

Just because the state requires the four coverages we just talked about, that doesn’t mean these are the only coverages available — or even the only ones that will suffice. Since RVs are large, expensive and can cause and sustain a significant amount of damage in an accident, we highly recommend investing in full coverage instead of simply liability — and maintaining it after your rig is paid in full.

Bodily Injury Liability Coverage

Bodily injury liability is legally required for all RV insurance policies in North Carolina. It’s designed to pay the medical bills (up to your policy’s maximum) of anyone who gets hurt if you cause an accident.

It can also kick in if the injured party or parties sue you by helping to 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.

Property Damage Liability Coverage

Also legally required in all North Carolina RV insurance policies, property damage liability covers damage you cause to someone else’s vehicle or property if you’re deemed to be at fault for an accident.

However, property damage liability is another facet that’s not required for any towable travel trailer because the auto policy of the vehicle towing it transfers over. So damage caused to other vehicles or property by drivers who back into them with their towable travel trailer will have coverage under the vehicle’s auto insurance.

Uninsured/Underinsured Motorist Coverage

Uninsured or underinsured motorist coverage is the final coverage legally required in North Carolina. It can kick in if you get into an accident that isn’t your fault with a driver who either doesn’t have insurance or doesn’t have sufficient enough insurance to pay for damages to your RV or medical bills for injured parties in your rig.

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.

Collision Coverage

Whether an accident was your fault or not, collision coverage can kick in to pay for the damage to your rig up to your policy’s limits. It could also 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

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. So it can cover things like damage to your RV’s roof or awning caused by a flood or another natural disaster. It may also cover vandalism or theft of your RV and water leaks due to hitting an overpass.

Medical Payments Coverage

Medical payments coverage is designed to pay for medical expenses due to injuries sustained to you or anyone in your RV if you’re involved in an accident — whether you’re at fault or not. It 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.

Protect Your Rig With RV Insurance

Cruise more and stress less with an all-types custom RV insurance policy that keeps you on the road longer.

Personal Effects Replacement Coverage

Personal effects replacement coverage was designed to keep the belongings inside your RV safe from damage, destruction or theft. Coverage pertains to belongings that aren’t built into your rig, including bikes attached to the back of your rig, bike racks, kayaks, clothes and electronics.

Many policy’s cap coverage at $5,000 per claim, but you may be able to enroll in up to $100,000 in coverage by adding an endorsement to your policy. This endorsement can become extremely valuable for those full-time RVers (qualifying as spending more than 150 nights per year in your RV) who have more possessions onboard.

Total Loss Replacement Coverage

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. It typically pays out as follows: totaled within the first four years, reimbursement for the original purchase price or replaced with a similar model; totaled in years five to seven, reimburses you either the price you paid or the actual cash value; and after seven years, it typically drops to only reimbursing you its actual cash value.

Roadside Assistance

This coverage can help pay for 24-hour assistance needed on the road, such as fixing a flat, delivering a new battery or gas or jumpstarting your engine. This can be utilized for things like jumpstarting your rig, delivering gas if you miscalculated your mileage to the nearest gas station or simply fixing a flat tire.

Towing & Labor

Only really needed for drivable rigs because towable RVs can already be towed by your vehicle, the towing & labor add-on can save you a significant amount of money if your rig 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

Vacation liability coverage can be added to any RV insurance policy — with the exception of full-time RVers —  that’s designed to 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. However, it can exclude undeveloped campsites located on public lands.

How Much Does North Carolina RV Insurance Cost?

The average cost of RV insurance in North Carolina is anywhere from a few hundred dollars to a few thousand dollars per year. It really depends heavily on a multitude of factors, including the value of your rig, how much coverage you enroll in, your driving and claims history and how often you use it.

How to Get RV Insurance in North Carolina

Getting RV insurance is quick and easy when you use Clovered and our easy-to-use online RV insurance quoting form. All you need to do is fill in a few details about your rig and one of our licensed agents will pair you with a policy that suits your specific needs.

Protect Your Rig With RV Insurance

Cruise more and stress less with an all-types custom RV insurance policy that keeps you on the road longer.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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