Recreational Vehicles

Protection for the Next Adventure

Protection for the Next Adventure

Recreational vehicles combine the comfort of a home with the mobility of an automobile. In doing so, they create a unique insurance situation that calls for slightly different coverages than are found in most standard auto insurance policies. RV insurance policies offer North Carolina residents who have these vehicles the specialized combination of protections that they need.

RV insurance policies are generally categorized into three groups. Each group of policies is intended for a different type of recreational vehicle:

  • Class A policies normally cover converted buses and similarly large RVs
  • Class B policies normally cover travel trailers, camper vans and smaller RVs
  • Class C policies normally cover fifth-wheel vehicles and RV vans
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Some of the coverages that are more similar to those found in auto policies include:

  • Bodily Injury Coverage, which may cover injuries that people not in the insured RV sustain
  • Personal Injury Coverage, which may cover injuries that people in the RV sustain
  • Property Damage Liability Coverage, which may cover damage caused to others’ property
  • Comprehensive and Collision Coverage, which may cover damage sustained by the RV
  • Uninsured and Underinsured Motorist Coverage, which may cover accidents caused by inadequately insured drivers
  • Emergency Roadside Assistance, which may offer help during roadside emergencies

A few examples of more RV-specific coverages are:

  • Emergency Expenses Coverage, which might cover unanticipated costs incurred on a trip after a covered incident
  • Campsite and Vacation Coverage, which might extend a range of protections to road trips
  • Full-Timer Coverage, which might be necessary for people who live in their RVs
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