RV Recreational Insurance — About the Differences
Owning a recreational vehicle, like an RV, in Asheville, NC, opens up an abundance of opportunities to explore the many beautiful destinations and points of interest located throughout the state. If you are considering buying an RV and need to know about the differences between a Class C and a travel trailer, give us a call at Asheville Insurance Center. We will explain the coverage available for each type, so that you can make the right decision for your travel needs.
Class C RV Insurance
A Class C RV is required to have its own insurance policy. Your existing auto insurance does not include covering the motorized vehicle.
North Carolina requires Class C RV owners to carry liability insurance along with uninsured or underinsured motorists. The minimum requirements for liability insurance. The amount of coverage required depends on the renewal date of your policy, or when the policy was first issued. Required coverage includes bodily injury liability. This is per person. There is also bodily injury liability and property damage liability. Both are coverage per accident.
You may also need to carry comprehensive and collision coverage if your Class C is leased or being financed. Adding comprehensive and collision is recommended, even if you own it outright. The coverage protects your RV from events, such as vandalism, theft, accidents, and storms.
Travel Trailer Insurance
You are not required to carry a separate policy for a travel trailer because it is not a motorized vehicle operable on its own. Liability for a travel trailer is typically covered by the vehicle that tows the trailer. The coverage is for property damage or bodily injury.
Contact Our Team
Here at Asheville Insurance Center, we provide quality customer service from start to finish. We want our Asheville, NC residents to know they can rely on us for information and recommendations that work for them.
