When you own an RV, you need to have it insured for your own protection. It’s legally mandated to have RV insurance when you own an RV, but even if it weren’t, it’s smart to get this coverage. If you have an RV and need to get it covered by an insurance policy, call us now at Kempton Insurance Group in Charlotte, NC.
If you ever drive your RV, it has to have liability insurance just as a car or truck would. There are minimum coverage amounts required by the state, and you can add to that if you want better coverage than the minimum. RV insurance is a little different from auto insurance, however. The insurance covers not only the vehicle portion of the RV but also the living section. There is generally coverage for your belongings that are inside the living area, and you can add coverage for any equipment that you keep in your RV.
The Cost of RV Insurance
Like auto insurance, the cost of this insurance is partially dependent on your driving history, your age, etc. There are also the state minimums of coverage, the make and model of your RV and its year. Another factor in the cost is the class of your RV. They come in Class A, B and C, with the classifications dependent on the size and design of the RV. From small campers to 75-foot motor coaches, all RVs fit into a classification. Make sure that you know how yours is classified so that you can tell your insurance agent. Another cost factor is the deductible that you choose.
Get Your RV Insurance
If you have an RV, always keep it covered by RV insurance. If you don’t yet have a policy, call us today at Kempton Insurance Group in Charlotte, NC.