RV Insurance in North Carolina

To make the most of your RV ownership, you will want to protect your investment with an insurance policy adequately. RV insurance protects motor homes, travel trailers, campers, fifth wheels, etc. With a policy comes a variety of coverage options. This protection will give you peace of mind as you travel and enjoy your RV. At Hausmann Insurance & Financial Services in Charlotte, NC, we love taking the time to educate our clients on these crucial topics.

How Does It All Work?

When you first speak with one of our insurance representatives, you will be asked a series of simple, yet essential questions regarding your RV. These questions will help determine how often you use the RV and in what ways you use the RV. This information helps determine what types of coverage will be best for you.

The insurance coverage will protect you and your vehicle if there is an accident. If your car is damaged, or you cause damage to someone else’s vehicle, the insurance policy will cover the expenses of the loss or any injuries. You must file a claim in the event of an accident. If the accident is covered under the terms of your policy, the insurance company will pay the expenses.

Is RV Insurance Expensive?

To get an exact quote, you will need to speak with an insurance representative knowledgeable with North Carolina insurance laws. Generally, the more coverage you purchase, the higher your premium will be. However, having less protection could mean paying more out of pocket later on if you have an accident.

Are Motor homes and Campers Covered the Same?

No. Motor homes are covered differently because they are driven. Campers are generally being towed behind another vehicle; therefore, they require a different type of insurance, and in some states, they do not require insurance at all.

Because motor homes are driven from point A to point B, it is required in most states, including North Carolina, that you carry at the least minimum liability insurance.

If you would like to learn more about RV insurance, please call our friendly staff today at Hausmann Insurance & Financial Services, serving Charlotte, NC.