How Much Motor Home Coverage Do I Need?

If you live in or near Asheville, NC and own a motor home, you’re likely proud of your purchase. While owning a motor home certainly has its perks, certain responsibilities come with owning one. A critical aspect of owning an RV is ensuring adequate insurance coverage for protection. You might wonder how much motor home coverage is needed. Here is an overview that can help you decide.

What’s Legally Required?

If you own your RV and aren’t making payments, only liability insurance is required in North Carolina. However, if you’re financing your motor home, just like financing a car or truck, full coverage insurance is required. This is protection for you if the RV was to incur some damage.

What is Your RV Worth?

To be sure you have enough coverage on your motor home, you need to have it professionally appraised so you will know exactly what it’s worth. Once you know its worth, you can ensure you purchase coverage for at least that amount. This will enable you to repair or replace the motor home easily. 

How Often You’re Using Your RV

If you only use it once or twice a year, then you might not place a high priority on coverage. However, if you go on trips much more frequently, the chances of becoming involved in an accident increase, so your coverage should, as well. 

So, if you’re ready to protect your motor home so you can enjoy many future trips without worrying about potential accidents, theft, or vandalism, then call us at Asheville Insurance Center. We pride ourselves on providing top-notch customer service, as we go above and beyond to ensure all our customers’ needs are met, if not exceeded.