Why RV Insurance Matters in North Carolina
Whether you use your RV for weekend getaways, cross-country trips, or as a full-time home, having the right coverage is essential. RVs combine the risks of both a vehicle and a home, meaning you need protection for accidents on the road as well as damage or theft when parked.
From exploring the Blue Ridge Parkway to camping along the Crystal Coast, your RV is an investment that deserves complete protection.
Is RV Insurance Required in North Carolina?
If your RV is a motorhome (Class A, B, or C) and can be driven on its own, North Carolina law requires liability insurance, just like any other motor vehicle. Coverage minimums match the state’s auto insurance requirements:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If your RV is a towable trailer (like a travel trailer, fifth wheel, or pop-up camper), liability coverage typically extends from your auto policy, but you’ll still need separate coverage to protect the RV itself.
What Does RV Insurance Cover?
While coverage varies by policy and carrier, most RV insurance includes:
- Liability Coverage – Covers injuries or property damage you cause while driving your RV.
- Collision Coverage – Pays for repairs if your RV is damaged in a crash, regardless of fault.
- Comprehensive Coverage – Protects against theft, vandalism, fire, storms, or animal damage.
- Personal Property Coverage – Covers belongings inside your RV, such as electronics, furniture, and clothing.
- Vacation Liability – Provides liability coverage while your RV is parked and being used as a temporary residence.
- Roadside Assistance – Helps with towing, flat tires, battery jump-starts, and lockouts.
- Full-Timer Coverage – Designed for people who live in their RV year-round, similar to homeowners insurance.
Special Considerations for RV Owners in North Carolina
- Storm Protection – Hurricanes, hail, and severe thunderstorms can cause significant damage, especially in coastal areas.
- Seasonal Storage – If you store your RV for part of the year, ask about reduced premiums during non-use months.
- Travel Beyond State Lines – Make sure your coverage applies in other states and, if needed, in Canada or Mexico.
How Sizemore Insurance Helps RV Owners
We work with multiple top-rated carriers to find RV insurance that fits your needs and budget. Our advisors:
- Review your travel habits, storage location, and RV type
- Compare coverage options from multiple companies
- Identify discounts, such as bundling with home or auto insurance
- Explain your policy in plain language so you know exactly what’s covered
Because we’re independent, we work for you—not the insurance carriers—ensuring you get the best mix of protection and price.
Protect Your RV and Your Adventures
Your RV is more than a vehicle—it’s your ticket to freedom. Make sure it’s protected wherever the road takes you.
Start your RV insurance quote online or call (910) 791-1011 to speak with a Sizemore Insurance advisor.