We can help you obtain the right recreational vehicle insurance for your needs.
Having a “home on wheels” can leave you pondering whether you need the same type of coverage for your RV as you would any vehicle or if it would be more like what you have on your home. The reality is that recreational vehicle insurance can be a bit of both. If that seems confusing, we’re here to help you understand the various aspects of this type of coverage and what you are getting for the premium you’ll pay. At Legacy Insurance Partners, our team of experienced insurance consultants is happy to take the time to go over the options involved with recreational vehicle insurance and address any questions that you might have.
Since your RV is a motor vehicle, recreational vehicle insurance involves protection for the same types of losses as you could incur with a regular vehicle. It will protect you from accident damage, theft, bodily harm, property damage, and other losses. You will also have liability limits and a deductible. Although you may not drive your RV as much as your family vehicle, it is still susceptible to theft, vandalism, and so forth. You would also typically have more personal property inside your RV than you would your everyday vehicle, so a policy would need to account for that.
In addition to knowing what is covered, you’ll need to understand what it is typically excluded. You can expect that your consultant will go over your recreational vehicle insurance policy thoroughly so you know what is covered and what is not. We can also help you during the purchase decision stage by letting you know how RV class can affect your policy premium. This can be helpful when deciding on the type of RV to purchase. Reach out today to our Davidson, Hickory or North Wilkesboro, North Carolina office to learn more.
FAQs About Recreational Vehicle Insurance
If you own a recreational vehicle, you need to make sure it is properly ensured to protect your finances and peace of mind. We can help you find the right RV insurance, but first, we encourage you to review some of the FAQs about this insurance below.
What type of vehicles are covered under RV insurance?
We can offer coverage for many different types of recreational vehicles. Some of these can include motorhomes, travel trailers, campers, and horse trailers.
What does RV insurance typically cover?
Most recreational vehicle insurance policies cover collision damage resulting from accidents, losses due to theft, vandalism, or natural disasters, bodily injury liability, damage to another person’s property, and coverage for items held within the vehicle.
Is RV insurance required by law?
Yes! If you drive your recreational vehicle on public roads, liability insurance is usually required by the law. However, specific requirements vary by where you live, so make sure you check local regulations.
Should I keep my vehicle insured during the off season?
Yes, you should plan on keeping your recreational vehicle insured even during the off season. This will protect you from weather-related events or vandalism when your vehicle isn’t in use.
How do I obtain an RV insurance policy?
If you need an RV insurance policy to protect your vehicle, we are here to help. Contact us today to set up an insurance consultation.
With recreational vehicle insurance representatives serving the communities of Asheville, Davidson, Greensboro, Hickory, North Wilkesboro, Albemarle, and Raleigh, North Carolina, our team at Legacy Insurance Partners is available to partner as your trusted personal insurance advisor utilizing a consultative approach.