RV Insurance in Belmont, NC
RV insurance covers campers, motorhomes and travel trailers from unexpected incidents that might occur on the road. Stowe Insurance can help you find the right coverage to fit your needs.
What Does RV Insurance Cover?
Specifics may vary per insurer, but a standard policy generally offers the following coverages:
- Comprehensive coverage may cover your vehicle’s repair costs if it gets damaged by fire, theft, vandalism or certain natural disasters.
- Collision coverage may cover damage caused by collisions with objects or other vehicles.
- Liability coverage may cover the necessary expenses if you’re held liable for causing bodily injuries or property damage to a third party.
- Personal property coverage may cover the replacement of your personal belongings that you store or transport in your vehicle.
- Uninsured/underinsured motorist coverage may help pay for your vehicle’s repair if you were hit by a driver with insufficient coverage, or if you were a victim of a hit-and-run; it may also help cover your medical bills.
- Loss of use coverage may cover your food, shelter and other expenses if a covered risk damages your motorhome or travel trailer and you’re forced to seek shelter.
Is Recreational Vehicle Insurance Required?
There are instances where RV insurance is required. First, motorhome drivers in North Carolina are required to carry liability and uninsured motorist coverage to prove their financial responsibility. State law also mandates that you secure auto insurance for the vehicle you use to carry your travel trailer. Second, you may be asked to present proof of policy to your lender if you’re financing your vehicle.
How Much Is It?
The cost of RV insurance in North Carolina differs depending on your insurer and coverage limits. It can also be influenced by the following factors:
- Location
- Driving record
- Claims history
- RV model and type
Where to Get a Policy
Get in touch with Stowe Insurance to explore your options or request a personalized quote.