Every state requires RV insurance for recreational vehicles on its roads, but each state sets its minimum requirements. Many states, including North Carolina, set the RV insurance requirement at the same level as their auto insurance minimums.

Lee Insurance Agency LLC can help all North Carolina residents who own an RV to obtain the insurance coverage that keeps them on the roads legally.

RV Insurance: What You Need To Know

Minimum Coverage Insurance

According to the North Carolina Department of Transportation, each motor vehicle of any type must carry at least the following insurance coverages:

Bodily injury to one individual in the amount of $30,000,
Bodily injury to two or more individuals in the amount of $60,000,
Property damage in the amount of $25,000.

This policy type only protects the other drivers on the road. The state minimum insurance does not offer coverage for your vehicle. You need full coverage for that.

Full Coverage RV Insurance

When you only vacation in your RV, you take a couple of trips per year in it. Buying a full coverage policy ensures that you also protect your investment in your own RV. If you incur an accident involving your RV, the comprehensive and collision coverages take care of the RV’s damage. These two insurances apply to single-vehicle accidents and multi-vehicle accidents.

Full Timer’s Insurance

You need a full-timer’s policy if you choose to live in your RV. This enhanced coverage bears a close resemblance to full coverage but adds to your property coverage and liability. It covers the upgrades you must make to an RV to turn it into a permanent home.