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Craig Insurance Group Inc

309 W Millbrook Rd, Suite 151
Raleigh, NC 27609

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4 Key Areas Covered by RV Insurance

Owing an RV is quite an investment as it doesn’t come cheap. It’s also an exciting feeling touring with everything under one roof. But before you hit the road, think about your safety and your huge investment. RV insurance is a safety net you ought to think about in case of an unfortunate occurrence. That said, you need proper coverage for your RV. Many coverage options are available, making it essential for you to understand them before signing that policy.

Craig Insurance Group is here to help you understand four key areas covered by RV insurance. Let’s explore.

  • Liability coverage: North Carolina requires you to have at least a minimum liability coverage if your RV is on the road. Liability insurance protects you from damage or injuries caused by your RV to others like legal costs, medical, or property damage.
  • Comprehensive coverage: Some accidents do not necessarily happen on the road. You never know what can happen outdoors, so comprehensive coverage is ideal. It covers most of the things that may happen to your RV, like fire, vandalism, theft, etc.
  • Collision coverage: Collision coverage foots the cost of repairing or replacing your RV regardless of who is at fault. However, you will have to pay for the deductible as stated in your policy.
  • Underinsured/ uninsured motorist: Not everyone will follow the law. You still find uninsured motorists on the road. If your RV got hit by someone with no insurance, you would have to foot the bill. It is the same case if the underinsured hit you. The cost may not come cheap. That’s why underinsured and uninsured policies come in handy.

RV insurance in Raleigh, NC

You don’t want to be on the wrong side of the law, and nor do you want to wipe out all your savings in the name of RV damages and claims. Be smart, buy RV insurance, and travel the world with nothing to worry about. If you live in Raleigh, NC, or the surrounding area, contact us at Craig Insurance Group for your policy.

RV Insurance for Full-Timers

Whether because of rising housing costs or wanting to stay on the road, you may have decided that living in an RV is a comfortable lifestyle that works for you and yours. Raleigh, NC is a wonderful city to live near, no matter how you do it, so we at Craig Insurance Group will do our best to get you matched with an RV insurance policy that suits your living conditions.

Most people who have an RV will have a part-time RV insurance policy since they will leave their vehicle parked and unused for months at a time. If you’re transitioning from another living situation into an RV that you have owned for some time, you may already have this type of coverage. Part-time coverage is a valid option, but those who live in their RV will need full-time RV insurance.

Aside from not having any periods of inactivity like part-time insurance does, you’ll typically have higher limits and a wider range of coverage that reflects the increased importance of the RV in your living situation. The policy more resembles a homeowners’ insurance policy, but you’ll still have the on-road protection needed whether your RV is towed or drivable. The combination of benefits is an all-around better solution for anyone using their RV as a full-time place to live.

Like any insurance policy, you’ll have optional coverage that will increase your premiums but provide benefits in more scenarios. The type of RV, its value, your driving record, and other factors will also be considered when a company is offering you a policy. To get a better idea of what full-time RV insurance offers and to get help finding the right provider, Craig Insurance Group of Raleigh, NC can be contacted through our website at any time.

RV insurance 101

If you’re a resident of Raleigh, NC, and own a recreational vehicle, you need to make sure that you have RV insurance from Craig Insurance Group. This insurance coverage will protect you from high out-of-pocket costs in case of an unexpected disaster. Unfortunately, many recreational vehicle owners do not have a basic understanding of RV insurance, which explains why they do not have this critical coverage. 

How Does RV Insurance Work?

Like any other type of insurance policy, RV insurance helps you deal with the cost of property damage and bodily injuries when you are involved in an accident. It can also help you to address some RV breakdowns. Your RV insurance policy should protect you from almost all risks that you encounter while driving your vehicle or when it’s parked. 

Why is RV Insurance Important?

Due to the significant investment you have made in buying a recreational vehicle, you need to have an insurance policy that protects your asset. You cannot let it run without the guarantee that you will be safe from financial losses no matter what happens. Another issue of importance is that an RV is a massive vehicle, which means that it is likely to be involved in fatal accidents requiring colossal compensation. You need to know that you’re covered against hefty claims.

Is RV Insurance Required?

Like auto insurance, every state demands that you have liability insurance to cover damages you’re responsible for. However, the minimum liability that needs to be covered differs depending on the state.

If you have just bought a recreational vehicle in Raleigh, NC, you may not have a basic understanding of how RV insurance works in this state. At Craig Insurance Group, we are willing to walk you through this new journey and give you a policy that will meet your liability and financial needs.

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