Welcome to RV Life
Buying your first RV is exciting—whether it’s for weekend camping trips, exploring the Blue Ridge Parkway, or long coastal getaways. But before you hit the road, it’s important to understand your insurance options and responsibilities. RVs combine the risks of both a home and a vehicle, so the right coverage keeps your adventures protected from day one.
Do First-Time RV Owners Need Insurance in North Carolina?
Yes—if you own a motorized RV (Class A, B, or C), North Carolina law requires liability coverage just like any car. This protects you financially if you cause injury or property damage while driving.
If you buy a towable RV (like a travel trailer, fifth wheel, or pop-up camper), liability is typically covered under your auto policy, but you’ll need separate coverage to protect the RV itself against damage, theft, or weather-related losses.
Insurance Coverages Every First-Time RV Owner Should Consider
- Liability Coverage –
Covers injury or damage you cause while operating your RV. - Collision Coverage – Repairs your RV after a crash, regardless of fault.
- Comprehensive Coverage – Protects against theft, storms, vandalism, and animal damage.
- Personal Property Coverage – Covers belongings inside your RV, from electronics to cookware.
- Vacation Liability – Extends liability protection when your RV is parked and being used as a temporary home.
- Roadside Assistance – A must-have for unexpected breakdowns or tire issues on the road.
- Full-Timer Coverage – If you’ll be living in your RV full-time, this acts more like a homeowners policy.
Tips for First-Time RV Owners in North Carolina
- Know Your Routes – Plan for mountain grades in western NC and hurricane risks near the coast.
- Understand Storage Needs – If you’ll store your RV seasonally, ask about coverage adjustments.
- Bundle & Save – Combine your RV policy with home or auto insurance for discounts.
- Do a Pre-Trip Checklist – Check tire pressure, fluid levels, and safety equipment before every trip.
- Ask About Specialized Coverage – Some carriers offer protection for awnings, satellite systems, and custom add-ons.
How Sizemore Insurance Helps First-Time RV Owners
As an independent insurance company, we compare multiple top-rated carriers to find the right coverage for your budget and travel style. We’ll walk you through:
- What’s required by law vs. what’s smart to have
- How to choose coverage limits for your RV type
- Which discounts you may qualify for
- The differences between motorized and towable RV coverage
Our goal is to make insurance simple, so you can focus on enjoying your first adventure.
Protect Your RV from the Start
Don’t wait until your first trip to think about insurance. Start your coverage now so you’re protected the moment you drive off the lot.
Get your RV insurance quote online today or call (910) 791-1011 to speak with a Sizemore Insurance advisor.