Your auto policy doesn’t cover the way you actually use an RV. RVs are part vehicle, part home â and the coverage needs to reflect both. Safenet Insurance Group writes RV insurance across NC for Class A, B, and C motorhomes, travel trailers, and fifth wheels. Call (336) 280-4606 or quote online.
What RV Insurance Covers
- Liability â pays for bodily injury and property damage you cause to others
- Collision and comprehensive â repairs or replaces the RV after an accident, theft, or covered loss
- Uninsured/underinsured motorist â required in NC
- Personal effects â contents inside the RV (clothes, electronics, gear)
- Vacation liability â premises liability when the RV is parked and used as a residence
- Emergency expense / trip interruption â hotel and travel costs after a covered loss
- Towing and roadside â purpose-built for RVs with appropriate weight ratings
- Total loss replacement â replaces a new RV with a new RV in the first few model years
Full-Timer vs. Recreational Use
If you live in your RV full-time or for extended periods, you need a full-timer’s policy with higher liability limits, full residential liability, and broader personal property coverage. Standard recreational RV policies don’t contemplate full-time living.
RV Types We Insure
- Class A motorhomes
- Class B camper vans
- Class C motorhomes
- Fifth wheels
- Travel trailers and pop-ups
- Toy haulers
- Truck campers
Frequently Asked Questions
Does my auto policy cover my RV?
Only minimally for travel trailers (liability while towed). Motorhomes need their own policy. Stand-alone RV policies provide much broader coverage.
Do I need RV insurance if I store the RV most of the year?
Yes for liability if you ever tow or drive it, and comprehensive even in storage covers fire, theft, vandalism, and hail. Some carriers offer reduced storage-period premiums.
Can I get total loss replacement on a new RV?
Yes. Many carriers offer total loss replacement for the first 1â5 model years on new RVs.
Get an RV Insurance Quote
Call Safenet Insurance Group at (336) 280-4606 or quote online.