Recreational Vehicle Insurance

Recreational vehicles (RVs) provide more than just a means of transportation; they emphasize fun and comfort on every trip. Although commonly linked with leisure activities, RVs often need the same insurance protection as other vehicles. They might require even more coverage due to the increased potential for liabilities. For RV owners in Asheville, North Carolina, General Insurance Services of Asheville Inc. can offer reliable and tailored insurance solutions to ensure worry-free travel.

What Does It Cover?

Discussing your specific needs with an insurance agent is always a good idea to ensure you have the right coverage for your RV adventures. However, RV insurance often covers:

• Liability coverage—This may cover bodily injury and property damage you may cause to others while operating your RV. It can also include coverage for environmental cleanup after an accident.

• Collision coverage—This may help pay for damage to your RV resulting from a collision with another vehicle or object.

• Comprehensive coverage—This may cover non-collision-related damage, such as theft, vandalism, fire and natural disasters.

• Uninsured/underinsured motorist coverage—This may financially protect you if you’re involved in an accident with an at-fault driver who doesn’t have sufficient insurance.

• Personal belongings coverage—This may cover personal items inside your RV, such as electronics, clothing and camping gear.

• Medical payments coverage—This may cover medical expenses for you and your passengers in case of an accident.

• Roadside assistance—This may help if your RV breaks down, including towing, tire changes and fuel delivery.

• Specialized coverage—If your RV is your primary residence, you can add coverage for custom equipment, awnings and additional liability coverage, such as for incidents in or around your vehicle while parked.

Is an RV Covered Under Auto Insurance?

While some auto insurance policies may include limited coverage for RVs towed behind another vehicle, such as fifth-wheel trailers, they are not typically suitable for motorized RVs, such as campers and motorhomes. You should have RV insurance specifically designed to cover the distinct risks associated with your vehicle, such as a policy offering broader and more specialized coverage.

Learn More

General Insurance Services of Asheville Inc. proudly serves Asheville, Waynesville, Arden, Canton, Sylva and nearby areas across North Carolina. We are dedicated to delivering exceptional service to our communities. Contact us today to learn more.