RVs are large motor vehicles that require many of the same insurance elements as cars. However, they also require some insurance elements similar to homes, so working with an agent who will tailor the coverage to your needs is essential. Our Kempton Insurance Group team provides RV insurance coverage for many Charlotte, NC area customers, and we hope to provide you with our outstanding service.
Comparing RV and Auto Insurance
North Carolina law requires motorized RVs (Class A, B, and C RVs) to carry the minimum liability insurance coverage equal to an automobile. These requirements include:
- $30,000 per person of bodily injury liability and $60,000 per accident
- $25,000 per accident of property liability
RV owners commonly carry extra bodily injury liability coverage because RVs carry more people than typical cars, and they cause more damage than cars when an accident occurs. Having higher liability coverage protects owners in the event of an accident.
RVs also need insurance that resembles parts of home insurance policies, including coverage such as:
- Vacation Liability, which covers bodily injury and property damage for people in and around your parked RV
- Personal Property and Attachments cover your clothing, appliances, electronics, and other household items in and around your RV
- Homeowners Association Fees, which pays charges for damages to HOA common areas
- Roadside Assistance, since few auto roadside assistance plans cover vehicles as large as an RV
- Temporary Lodging, which pays for living expenses if your RV needs repairs while you are on the road
Insuring Your RV With Kempton Insurance Group
The team at Kempton Insurance Group serves clients in the Charlotte, NC area. We look forward to helping you obtain RV and other coverage that works for you. Call (888) 285-6660 or stop by the office today.
