Recreational Vehicle Insurance
Recreational Vehicle Insurance Quote Forms
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Recreational Vehicle Insurance Information
Insurance for Recreational Vehicles Across North Carolina
Recreational vehicles are great when you want to escape everyday life for a few days and camp out in nature. Leaving home doesn’t mean leaving risk, however. Accidents can happen both on and off the road while you’re using your RV, and without a proper policy
you could face hefty expenses for damages and injuries.
At James Epps Insurance, our dedicated staff works with you to tailor a policy that suits your RV without breaking the bank. We make RV insurance easy, simple and affordable with our years of expertise and great customer service.
What is Considered a Recreational Vehicle?
Recreational vehicles encompass nearly any type of vehicle that includes living accommodations. This includes:
If the vehicle is built with living capabilities and is often used for camping, it is likely a recreational vehicle.
What Does RV Insurance Cover?
RV insurance policies
offer similar policies to car insurance policies, although there are differences in additional insurances and coverage limits available. A full coverage RV insurance policy may include:
Comprehensive Coverage: Comprehensive coverage provides compensation for damages to your RV due to wind, hail, fire, lightning, theft, vandalism and more.
Collision coverage: Collision coverage provides compensation for damages to your RV due to a collision with another vehicle or object.
Liability: Liability insurance covers bodily injury and property damage you may cause someone else while operating the RV.
Medical Payments Coverage: Medical payments coverage helps with medical bills you and your passengers may face after an accident, no matter who caused the accident.
Uninsured/Underinsured Motorist: This insurance covers damages and injuries related to an accident involving a driver who is not carrying enough insurance.
Roadside Assistance: Roadside assistance helps with trip interruption expenses, such as towing.
There are additional coverages available for your RV, as well, depending on the type of RV you have and its use. Vacation liability helps with expenses after an accident occurs on the RV’s premises when the RV is being used as a temporary residence.
Insure with James Epps Insurance
Protect your RV with a comprehensive, reliable RV insurance policy from James Epps Insurance. Connect with a dedicated insurance professional today at (919) 554-0475
or fill out an online quote form
now to get started!
Common RV Insurance Questions
How Much is Insurance on an RV?
The cost of RV insurance varies depending on your location, driving record, credit score, coverage limits, deductible, the value of the RV and more. Connect with a James Epps Insurance agent to find out home much you can save on RV insurance today!
Is RV Insurance Cheaper than Car Insurance?
On average, RV insurance is cheaper than car insurance, but this depends on the vehicle itself and other factors. One exception may be if you use your RV as a home full time and must add additional home amenities and coverages.
How Does RV Insurance Work?
Just like with car insurance, you pay for RV insurance through monthly premiums for your vehicle. If an accident occurs, a claims adjuster from your insurer will investigate the claim. Once the claim is approved, you will receive compensation based on the accident and your coverage limits.
What is RV Insurance?
is a policy geared for recreational vehicles. Coverages available under RV insurance are similar to car insurance, but often offer higher liability limits.