Embracing the RV lifestyle allows you to explore new sights, visit popular attractions, and journey on the open road. However, whether you’re a full-time traveler or a weekend warrior, RVing comes with unique insurance needs. Understanding these differences can help ensure that you have adequate coverage. Lee Insurance Agency LLC, located in North Carolina, offers comprehensive RV insurance to meet all your coverage needs.
Insurance Considerations for Full-Time RVers
If you live or travel full-time in your RV, your insurance needs may be more extensive. Full-time RVers often have more assets at risk, making higher liability limits essential. This liability coverage can help protect you against potential lawsuits from injuries or accidents that may occur while living in or using the RV.
As a full-time RVer, you’ll also want coverage for your personal items and any home-like amenities. Insurance should generally cover your personal belongings, furnishings, and other items in your RV, such as electronics, appliances, and outdoor gear.
Insurance Considerations for Weekend Warriors
If you only use your RV occasionally, such as for camping, your liability limit requirements will likely be lower. As these trips are short, you can choose a lower liability limit that will provide just the right amount of coverage you’ll need based on your risk level.
Insurance needs for weekend warriors are centered around seasonal use. This means that coverage should be tailored to protect your RV during months of activity rather than year-round.
Let Us Help You Choose the Right Insurance
Whether you own a Class A RV, traveler trailer, fifth wheel, or other recreational vehicle, we can help you find a policy that meets your coverage needs. Call the Lee Insurance Agency LLC in North Carolina at 919-963-2059.
