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Carolina Premier Insurance

North and South Carolina

North and South Carolina RV Insurance Coverage

RV Insurance in North and South Carolina

Are you ready to hit the road in your RV? If you are getting ready to purchase an RV or you have had one already but haven’t used it as often, now is the time to purchase RV insurance. This is something that can be easily overlooked but is vital to have. We offer various coverage options to keep your RV insured at Carolina Premier Insurance LLC in Mint Hill, NC.

RV Insurance Requirements

No matter the type of RV you have, RV insurance is required in South and North Carolina. Whether you have a luxury coach, or a trailer attached to your vehicle, you will be required to purchase both uninsured coverage and liability. These coverages will keep you, and others protected if you are involved in an accident. You should also carry minimum coverage of $30,000/$60,000 in bodily injury coverage and $25,000 in property damage coverage.

Keep in mind that these minimums won’t cover you if you are involved in a significant accident.

RV Insurance Coverage Options

The type of insurance coverage you choose for your RV depends on how you are using it and its class. If you are searching for basic RV protection, you can choose from:

  • Comprehensive and Collision coverage
  • Property protection
  • Insured motorists and personal injury protection
  • Property damage and bodily injury coverage.

Specialized coverage for RVs includes:

  • Total loss replacement - If your brand-new RV is a total loss, this coverage will pay you the full amount of your RV. However, if your RV is older, you will instead receive the actual cash value replacement.
  • Vacation liability - This is available for RV owners who use their RVs both in and out of the state on occasion. It includes both comprehensive and collision coverage and offers liability protection as well.
  • Custom equipment - This can be used as additional coverage if you recently upgraded your RV inside or outside.


To obtain a quote for RV insurance, contact Carolina Premier Insurance LLC today. We are located in Mint Hill, NC, and help out the South and North Carolina communities.

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