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North Carolina Motor Home Insurance Coverage

Motor Home Insurance

Motor Home Insurance

One of the pinnacles of life for someone who loves to travel is buying that first motorhome. Nothing can beat taking all of the comforts of home out on the road with you. Some dream of this being the best way to go off-grid and get away from everything. With so many people taking to the open road, it is a good idea to make sure that your motorhome is sufficiently protected in the case of an accident. Coastal Shield Insurance of North Carolina can help make sure your motorhome is properly covered.

North Carolina Motorhome Insurance Requirements

Like other vehicles, North Carolina requires motorhomes to have a certain amount of minimum coverage to be legal while on the road. Like car or truck insurance, there are higher amounts for the required coverage and options that are not required by the state. For example:

  • Liability Coverage: This covers damages to others which you are responsible for doing. North Carolina minimums require 30/60/25 insurance, but there is no legal cap.
  • Collision Coverage: An optional coverage that takes care of damages to your vehicle if you are at fault.

Depending on your plans for using the motorhome, certain forms of coverage may be more applicable than others.

  • People using a motorhome for residence might add Comprehensive Coverage for non-collision damages, such as fire or theft.
  • Emergency Expense coverage is great for long-distance or long-term trips, should an incident leave you in need of a hotel or other expenses.
  • Storage Coverage is good for those who only intend on taking their motorhome out on occasion.

What is Absolutely Necessary?

Motorhomes are not cheap to buy and far from cheap to repair if damaged. It can cost a lot of money to obtain every type of coverage, but so can lack the right coverage during an accident. Contact the professionals of Coastal Shield Insurance to speak with someone for answers to your questions today.

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