Understanding the distinction between RV and auto insurance is crucial for every RV owner, especially as RV insurance can potentially be more complex than auto insurance. It’s essential to ascertain a coverage that aligns with your requirements. For residents of Charlotte or Waxhaw, NC, our Hausmann Insurance & Financial Services team is on hand to help determine the optimal RV coverage for your needs.
Comparing RV and Auto Insurance
Similar to automobiles, motorized RVs in North Carolina are required by law to carry a minimum insurance coverage of $30,000 for bodily liability per person, $60,000 per accident, and $25,000 for property damage liability per incident.
Given the larger size of RVs, which leads to the potential of accommodating more individuals and causing enhanced damage during accidents, many RV owners typically secure more than the state’s minimum bodily injury liability coverage. Additionally, North Carolina mandates Uninsured Motorist insurance for RV owners, which is not a requirement for automobiles.
Besides liability coverage, RV insurance policies often encompass other elements or add-ons, including:
- Vacation Liability: Provides coverage for bodily injuries and property damage endured by individuals around your parked RV
- Personal property and attachments coverage: Protects items like appliances, electronics, clothes, and other household goods
- HOA Fees: Covers the cost of RV homeowners’ association charges arising from damage to common areas
- Adjacent structures coverage: Insures structures like decks, carports, and similar amenities at certain RV locations
- Roadside Assistance: Offers coverage for RVs that surpass the vehicle size limit for most standard auto roadside assistance plans
- Temporary lodging coverage: Reimburses living expenses if your RV needs repairs while you’re traveling
Partnering with Hausmann Insurance & Financial Services
Our friendly and knowledgeable Hausmann Insurance & Financial Services team caters to clients in the Charlotte and Waxhaw, NC area. We’re ready to assist with your RV or other insurance requirements. Drop by our office or call us today at (704) 332-0011 to schedule an appointment.
