Welcome RV Odd Squad! When it comes to getting the most out of the RV lifestyle, the RV Odd Couple know all of the ins-and-outs. But what about insuring your rig - your new home on wheels? You decided to downsize and pursue the RV lifestyle to get MORE - more freedom, more independence, and more adventure! While you're focusing on getting more out of life, you need someone in your corner who can help ensure that you're protected, no matter where your new adventures take you.

That's where we come in!

At Charlotte Insurance, we understand the RV lifestyle. We know that your rig is much more than a vehicle. It's your home. It's where you make your memories. It's where you're raising your family. You've invested a lot into pursuing this dream, this adventure. Let us help you protect it.

RV odd couple discussing RV Insurance

Common RV Insurance Misconceptions

My RV is covered under my homeowners insurance or auto insurance policies, isn't it?

No. Your RV needs a dedicated policy, especially if you're going to be living in full time, or for extended periods of time.

My homeowners insurance policy covers all of my personal belongings that are in the RV, doesn't it?

While your homeowners insurance policy may offer some protection, it's typically very limited. In order to ensure that the belongings that are contained within your rig are covered, you need to work with an experienced insurance agent who can find the right policy for you.

High quality RV Insurance is expensive, isn't it?

RV insurance is often surprisingly affordable and, when compared to the financial devastation that could come from not having sufficient coverage, it's a deal!


Description of Coverages - Definitions

Physical Damage Coverage

Coverage for the insured vehicle, deductible applies. Options provide coverage for repairs or total loss to the insured vehicle.

  • Actual Cash Value: In the event of a total loss, pays the value of the vehicle at the time of the loss. Takes age and condition into consideration.
  • Agreed Value: In the event of a total loss, protects the insured's vehicle value without the worry of depreciation for up to 10 years. The value is listed on the Declaration page.
  • Replacement Cost: In the event of a total loss, pays the cost of a new replacement vehicle or the value listed on the Declaration page. After 5 model years the amount listed on the Declaration page will be paid. Vehicle must be current model year or 1 model year old, no previous owners, never titled and never insured.

Emergency Expense

Coverage if the RV becomes inoperable due to a covered Comprehensive or Collision loss more than 50 miles from the insured's residence or storage facility. This coverage pays up to selected limit for:

  • Temporary living facilities.
  • Transportation back to the insured's residence.
  • Cost of returning RV to the insured's residence, if RV was not declared a total loss.
  • Rental charges while the covered vehicle is being repaired.

Personal Effects

Coverage for the insured's personal items that are normally used in conjunction with the insured vehicle. Provides coverage up to the specified limit. A deductible will apply.

Full-Timer's coverage

Provides coverage for insureds that use the RV as their primary residence including continuously travelling. This can include insureds who live in an RV while their house is being built or renovated. Primary Vehicle Use must be Primary Residence. Coverage can include Personal Liability, Medical Payments, Loss Assessment, Storage shed contents, or Bodily Injury & Property Damage for which the insured is legally liable.

Medical Payments

Covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy. Bodily Injury coverage is required to select Medical Payments coverage.

Uninsured Motorist Coverage

Uninsured Motorist Coverage covers you, your resident relatives, and the passengers in your covered vehicle. This coverage only applies if it is determined that the other driver is at-fault and has insufficient or no liability coverage.

If the Named Insured requests Stacked Uninsured Motorist, then the policy limits for each motor vehicle listed on the policy may be added together to determine the total amount that may be recovered (stacked) for all covered injuries to the Name Insured and resident relatives.
If the Named Insured requests 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 motorist available, except in very limited instances.

Personal Injury Protection (PIP) coverage

PIP, also known as No-Fault coverage, provides coverage regardless of whether or not the Named Insured causes an accident, up to the limits of the policy. PIP covers the Named Insureds child, who lives in the same household, if that child suffers an injury while riding on a school bus. PIP also covers the Named Insured and relatives living in their home, certain passengers who lack PIP, and certain licensed drivers who drive the vehicle with the Named Insureds permission. PIP protects the Named Insured while in their own or someone else's vehicle. It also protects the Named Insured as a pedestrian or bicyclist if they suffer an injury in an accident involving a motor vehicle. The minimum PIP required by law is $10,000. PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages and all reasonable expenses for replacement services such as child care, housekeeping or yard work, and $5,000 for death benefits.

  • Extended Personal Injury Protection - Available for an additional premium, extended PIP pays for 100% of reasonable medical expenses, 80% of lost wages.
  • Personal Injury Protection Deductible - This option permits a policyholder to select a PIP deductible of $250, $500 or $1,000. The PIP deductible is subtracted from the available PIP benefit or total amount the Named Insured can collect. If PIP with a deductible for Named Insured only is selected then the deductible will only apply to the named insured and spouse, not the resident relatives.
  • If PIP with a deductible for Named Insured & Resident Relatives is selected then the deductible will apply to the named insured, spouse, and all dependent resident relatives.
  • Work Loss Exclusion - This option permits a policyholder to exclude benefits received for loss of gross income and earning capacity from PIP coverage.

Roadside Assistance

Provides coverage if the insured's car is disabled due to a covered emergency and is available 24/7 in the United States and Canada.

  • Towing Covered vehicle can be towed to the nearest qualified repair facility.
  • Winching Service Pulling a covered vehicle out of an area with a motor-powered cable or chain. Usually offered when a vehicle is trapped in mud, snow, water, or sand within 100 feet of road or highway.
  • Battery Jump-Start Battery failure
  • Fuel Delivery Fuel delivered directly to the covered vehicle. The insured is responsible for the cost of fuel.
  • Locksmith Service Keys are lost, stolen or accidentally locked inside the covered vehicle, we will dispatch a qualified service provider. The insured is responsible for the cost to replace the keys.
  • Flat Tire Change
  • On Scene Labor Related to disablement, up to one hour.