Many would agree that RVs are an exciting and convenient way to travel with your home on wheels. However, there are many different kinds of recreational vehicles and the insurance requirements can vary. Our team of insurance experts at Craig Insurance Group knows that it can be confusing when it comes to understanding insurance requirements regarding your RV. We’re here to take the guesswork out of insurance for our Raleigh, NC residents.

What is RV Insurance?

RV insurance is similar to auto insurance in that it provides protection against liability, bodily injury, and property damage. Like auto insurance, you can purchase more than just liability insurance and get coverage for the repair and/or replacement of your RV. Roadside service and other benefits can be added to RV insurance as well.

A motorized RV is still a vehicle of sorts. This is why you’re required to carry RV insurance on any motorized recreational vehicle. Like a car, it’s a moving vehicle prone to collisions and everything else that a person driving a vehicle would be prone to.

Do I Need RV Insurance for my 5th Wheel?

No. A fifth wheel doesn’t have a motor. You’re not required to carry RV insurance on your fifth wheel. However, this doesn’t mean that you should go without insurance. If your fifth wheel is damaged you’ll have to pay for the damage out of pocket if you don’t have insurance. Investing in travel trailer insurance is a good way to protect your fifth wheel. Travel trailer insurance will help you pay for any damage sustained by your travel trailer.