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The North Carolina RV Insurance Specialists at Charlotte Insurance are Ready to Help You Protect Your Rig!

Where will your RV take you in North Carolina? Are you headed to the Outer Banks, Asheville, or Charlotte? Will you explore all of the flora and fauna of North Carolina or are you headed out of state for parts unknown? No matter where your RV takes you, make sure to protect it, yourself, and your family.

North Carolina RV insurance will get you back on the road and make sure you have a place to stay when something goes wrong. It’ll protect you whether you’re camping in the woods or cruising down the highway.



Long before you pack up and head out on a new adventure, make sure you have North Carolina RV insurance that will be there for you when you need it most. Certain coverage is required by law but a full coverage policy provides necessary protection for your family, yourself, and your recreational vehicle.

Charlotte Insurance is here to help you find the perfect North Carolina RV insurance policy for the RV you own, the life you want to lead, and the places you plan to go.

Get a free North Carolina RV quote for your first RV policy or your next one by contacting us today. We’ll help you protect your home-away-from-home whether you’re on the road or not.

Common North Carolina RV Insurance Misconceptions

Isn’t my RV covered under my homeowners policy?

While your RV is parked in your driveway, your homeowners policy may provide a small amount of coverage, depending on your specific policy. Once you leave home, whether on the highway or located at an RV park, your homeowners policy won’t cover accidents and other losses.

What about my personal possessions in my RV – doesn’t my homeowners insurance cover that?

Again, as long as your RV is parked at home in North Carolina, in your driveway, your homeowners insurance may provide limited coverage for your belongings. The keyword is limited. Additional accessories you’ve added and upgrades you’ve made won’t be covered at all. The small amount of coverage won’t be enough to replace everything inside your RV even if the loss occurs at home.

Once you drive away, your homeowners policy won’t be any help at all.

How much does RV insurance cost in North Carolina?

The cost of North Carolina RV insurance depends on several factors – including where you purchase your policy from. Receiving multiple quotes from different providers allows you to find the best insurance policy for your budget.

Your premiums are determined by whether you use your RV part-time or full-time, your driving habits, any previous claims, and the deductible and policy limits you choose.

North Carolina RV Insurance Requirements

The state of North Carolina requires anyone purchasing or using a motor vehicle, including RVs, to carry a minimum amount of liability insurance:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage per accident

The minimum required won’t be enough for most accidents involving an RV, especially once injuries are involved. It’s important to purchase as much coverage as you can afford to avoid having to pay out of pocket later.

North Carolina also requires uninsured/underinsured motorist (UIM) coverage with the same coverage minimums as liability insurance. While everyone is required to purchase insurance for their vehicle, not everyone does. When they do, it may not be enough to pay for your injuries in an accident. That’s where UIM coverage comes in – it protects you when the other driver is at fault for the accident but doesn’t have enough or any liability insurance to fully pay for your injuries or property damage.

Types of Coverages for North Carolina RV Insurance


Even though you’re required to purchase liability coverage in North Carolina, it’s important to understand what it is. Liability covers two parts of an accident when you’re at fault:

  • Bodily injury
  • Property damage

It pays for any injuries or property damage that occur to the other driver if you’re found to be at fault for the accident. Recreational vehicles are large and can cause a lot of potential damage. Liability also pays for damage done to a third-party (non-resident) when they are in your RV or where you’ve parked. Legal fees and settlements are also covered by your liability coverage – which comes in handy when someone decides to sue later.

RV liability insurance probably sounds like your homeowners and auto liability coverage because it’s a combination of the two, designed for the unique experience of driving and living in a recreational vehicle.

A deductible will apply to any claims.

Comprehensive and Collision

Your North Carolina RV isn’t just a home away from home or an easier way to travel. It’s also a motor vehicle. Hitting a deer on the highway or dealing with damage after a thunderstorm are all very real possibilities. Comprehensive and collision insurance covers the costs of repairing or replacing your RV after accidents like these. Deductibles apply.

If you finance the purchase of your RV, your lender will likely require you to carry both comprehensive and collision coverage.

Physical Damage

Physical damage coverage for your RV insurance determines how much you’ll receive if your RV is declared a total loss after a covered peril. You can choose from one of three options for your policy:

  • Actual Cash Value (ACV): This is the most common. You’ll be paid an amount equal to the actual value of your RV at the time of the loss. To determine the ACV, the age and condition of your RV will be considered. You’re unlikely to be paid enough to replace your RV with a new one.
  • Agreed Value (AV): This is an option to discuss with your independent insurance agent, especially if your RV is newer but it has had previous owners. AV coverage pays you an amount agreed upon at the time you purchased your policy. This amount does not consider the depreciation of your RV for up to 10 years. This amount will be listed on the Declaration page of your policy.
  • Replacement Cost (RC): Replacement cost coverage is ideal for anyone with a new RV. RC pays the amount you’ll need to replace your RV with the exact model or a comparable one up to the first five model years after you insure it. After five model years, you’ll receive an agreed upon amount listed on the Declaration page of your policy. Your North Carolina RV must be the current model year or only one model year old at the time you purchase the policy. There can be no previous owners and have never been titled or insured before.

Your deductible will be subtracted out of the total amount paid.

Emergency Expense

When you’re traveling in or outside of North Carolina, having an RV emergency means you may not have a place to stay or a vehicle to drive until your RV is repaired. Emergency expense coverage pays for living accommodations, transport, and towing when your RV is disabled due more than 50 miles away from your home or storage facility.

You’ll receive help paying for certain accommodations:

  • Renting a vehicle while your RV is repaired.
  • Transportation to go home.
  • Hotel stays and other temporary living accommodations
  • Transporting your RV home, as long as it isn’t declared a total loss.

When you live in your RV full-time – and purchase full-time RV insurance – emergency expense coverage will have different requirements instead of the 50 mile rule. Talk to your independent insurance agent about this when you insure your North Carolina RV.

Personal Effects

Your recreational vehicle isn’t the only thing that needs coverage. Your personal belongings need to be covered, too. Personal effects insurance pays to replace possessions and other items in your RV. This includes clothing, electronic devices, appliances used inside your RV, and other items.

If you travel with high-value items, like jewelry or collectibles, ask about specific coverage for these personal possessions as basic personal effects coverage likely won’t be enough.

Deductibles apply.

Full-Timers Coverage

Living in an RV full time requires a different level of coverage from part-time RV use. Full-timers coverage offers extra liability protection while you’re in North Carolina and as you travel around the US and beyond. You can also purchase coverage when you live in your RV during home renovations, repairs, or construction. The primary vehicle used must also be your primary residence.

Full-time RV insurance allows you to add other types of coverage: Medical Payments, Loss Assessment, Attached Accessories, Adjacent Structures, and more.

Medical Payments

Medical payments insurance pays for injuries that occur at the time of an accident regardless of who’s at fault for the accident. The same coverage limits will apply to all vehicles on your policy. This can take a huge weight off of your shoulders when you or your passengers are injured.

Uninsured/Underinsured Motorist

Uninsured/underinsured motorist (UIM) coverage is required by the state of North Carolina with state-mandated minimums, though purchasing more coverage is highly recommended. UIM pays for the costs of an accident, up to policy limits, when the other driver is at fault but they don’t have enough or any insurance.

If you, as the named insured, request Stacked Uninsured Motorist coverage, then the policy limits for each vehicle listed on your insurance policy can be added together to determine the total amount that may be recovered (stacked) for all covered injuries to you and your relatives who live with you.

If you request Non-stacked Uninsured Motorist, then the injured person may not add or combine the coverage provided as two or more motor vehicles together to determine the limits of uninsured motorists available, except in very limited instances.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP), also known as No-Fault coverage, covers you whether you cause the accident or not, up to your policy limits.

PIP covers:

  • You and any relatives living in your RV or home
  • Some passengers who lack PIP coverage
  • Certain licensed drivers who drive your RV with your permission.
  • When you’re in someone else’s vehicle.
  • When you are a pedestrian or bicyclist and are in an accident involving another motor vehicle.
  • Children living in your household who suffer an injury while riding on a school bus.

Standard PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services like child care, and $5,000 in death benefits.

Extended Personal Injury Protection pays 100% of your reasonable medical expenses and 80% of lost wages. You can choose this as an option for an additional premium.

Personal Injury Protection Deductible lets you choose deductible of $250, $500 or $1,000. Upon payout of your claim, the deductible amount will be subtracted from the available PIP benefit or the total amount you can collect.

  • If you choose a PIP with a deductible for “Named Insured only,” then the deductible will only apply to the named insured (you) and your spouse but not any other relatives that live with you.
  • If you choose a PIP with a deductible for Named Insured & Resident Relatives, then the deductible will apply to the named insured (you), your spouse, and all dependent relatives who live with you.

Work Loss Exclusion allows you, as the policyholder, to exclude any benefits received for loss of gross income and earning capacity from your PIP coverage.

Roadside Assistance

Being stuck on the side of the road is no fun, and when you drive an RV, it’s very expensive. Roadside assistance is there to help you get back on the road as soon as possible. You’ll have access to this coverage 24/7 while you’re in the United States and Canada.

Here’s what you’ll get as part of roadside assistance:

  • Towing to the nearest qualified repair facility.
  • Being pulled out of mud, snow, water, or sand with a motor-powered cable or chain. Your RV must be within 100 feet of road or highway.
  • Jump-starting your battery
  • Fuel for your RV when you run out of gas. You’ll have to pay for the gas.
  • Getting back into your RV if you lose your keys, your keys are stolen, or you lock yourself out of your RV. You have to pay to replace your keys.
  • Changing a flat tire
  • Up to one hour of on-scene labor after a break down

Before you jump behind the wheel to explore North Carolina and beyond, make sure your RV is well-protected with the best RV insurance you can afford. Contact Charlotte Insurance for a free quote today!