Whether you’re heading to the nearest state park or venturing across the country on the open road, your recreational vehicle should be adequately insured against injury, loss or damage, just like your car. RV insurance, or motorhome insurance, includes liability and uninsured motorist coverage, as required by North Carolina state law, and may include protection to cover the cost of repairing and replacing your vehicle.
North Carolina law requires that motorhomes of all types carry at least $30,000 liability coverage for bodily injury for one person in an accident and at least $60,000 for all persons injured in an accident in which you are at fault. In addition, state law also requires a minimum of $25,000 coverage for property damage liability in one accident.
The type and amount of additional insurance coverage you may need for your RV, whether it’s a camper, a trailer, a converted bus or a full-size motorhome, should be based on how you use it, and how often. If your RV serves as your residence full time, for example, you’ll need coverage equal to your homeowner’s insurance coverage in case someone is injured on your “property,” which in this case happens to be on wheels. Full-timers may also want to consider personal property coverage to protect your belongings, jewelry, collectables and other valuables.
You Alliance Insurance Services agent can help you determine the appropriate amount of liability insurance for your RV as well as optional insurance coverage to fully protect your valuable investment.
The Alliance Insurance Services Guarantee
At Alliance Insurance Services, we believe that when it comes to selecting an insurance agent, the most important factors are Protection, Price, and Service. Protection of your most valuable assets is what insurance is all about. As your insurance agent, it is our job to make sure you are adequately insured.
As an independent insurance Agent, we represent more than 20 top-rated insurance companies. This means we shop your motorcycle, boat or RV insurance for you, offering you the best possible coverage for the best price.
When you have a question, concern, or problem, we are here for you! We have offices in Winston-Salem and Walnut Cove. And our Summit Square Boulevard office in Winston-Salem has extended hours (until 6pm Monday thru Friday) and every Saturday for your convenience.