RV Insurance: Making sure you have the right coverage

Do you have the right coverage?

2 Boomers and a Baby RV have recently teamed up with Charlotte Insurance. Hoping to provide you with the best possible RV Insurance. RV Insurance for Full-timers is one of their specialties.

Let Charlotte Insurance design a new policy that is just right for you. Of course, your rate is a big part of it, but you also want to make sure you are covered in the event of an accident. Not all insurance policies are designed the same, know yours.

Charlotte Insurance has built a strong company that puts customer service at the forefront. They will work with you to find the best fit for your needs. So again, they can also go over an existing policy to make sure you have coverage.

Impeccable Google reviews that speak volumes about the experience they provide

(704) 887-5513


Charlotte RV insurances goal

“Since 1992, Charlotte Insurance has become one of Charlotte, NC’s largest locally owned Business, Commercial, Home, Auto, & Boat insurance providers.

We started Charlotte Insurance with a passion for providing insurance coverage to businesses specifically designed for their needs.

Our purpose is to provide a custom insurance plan focusing on the most important elements.

Just what you need while staying within your budget.” So, with their years of experience, it will be easy to find the best coverage for you. Let us help you with RV Insurance for Full Timers

What is RV Insurance?

This insurance is specifically designed for RV (Recreational Vehicle) owners. This insurance is used to protect you from excessive out-of-pocket expenses in the event of a loss. Also if you are at fault in an accident that causes bodily injury or property damage. Other coverages include roadside breakdown assistance to put your mind at ease when traveling away from home.

What does RV insurance normally cover?

Depending on the policy and coverages you have chosen, it can include reimbursements for traffic accidents, fire, storms, theft, vandalism, driver errors (such as scrapping an object), and even some natural disasters. RV coverage can help protect you against drivers who don’t have liability insurance. Also, those who lack the money to pay for injuries and damages they cause to you. So RV insurance for full-timers you need to talk to your agent and go over all your coverages.

How much is RV insurance?

RV insurance yearly rates range from as little as $150 up to $2000 depending on your RV type and the coverages you choose. An RV has an average yearly rate of between $1000 – $2000 for the typical RV being used full-time. Weekend warriors can expect to pay considerably less for their insurance.

If you are purchasing a travel trailer it will be a fraction of the cost of a Class A RV would be. It is best to speak with your RV insurance specialist to get a better idea of the cost of your particular RV. So, let them find a policy that works for you.

The RV Insurance Specialists at Charlotte Insurance are Ready to Help You Protect Your Rig!

Buying and owning an RV is a dream come true for many travelers across the country. An RV opens up the door to America allowing vacationers to see the many splendors and sights our great nation has to offer.

Whether you are climbing a winding road in the Rockies, trudging through the hot desert of the southwest, or heading north to the Nation’s Capitol, an RV can get you there.

Your new RV comes with a responsibility to protect and secure it from the dangers of America’s roadways.

RV insurance coverage with Charlotte Insurance will protect your traveling companions and assets while you are on the road.

(704) 887-5513


Misconceptions about insurance for full-timers

My RV is covered under my homeowner’s insurance or auto insurance policies, isn’t it?

No. Your RV needs a dedicated policy, especially if you’re going to be living full-time, or for extended periods of time.

My homeowner’s insurance policy covers all of my personal belongings that are in the RV, doesn’t it?

While your homeowner’s insurance policy may offer some protection, it’s typically very limited. In order to ensure that the belongings that are contained within your rig are covered, you need to work with an experienced insurance agent.

High-quality RV Insurance is expensive, isn’t it?

RV insurance is often surprisingly affordable and, when compared to the financial devastation that could come from not having sufficient coverage, it’s a deal!

Description of Coverages – Definitions

Physical Damage Coverage

Coverage for the insured vehicle, deductible applies. Options provide coverage for repairs or total loss to the insured vehicle.

  • Actual Cash Value: In the event of a total loss, pay the value of the vehicle at the time of the loss. Takes age and condition into consideration.
  • Agreed Value: In the event of a total loss, protects the insured’s vehicle value without the worry of depreciation for up to 10 years. The value is listed on the Declaration page.
  • Replacement Cost: In the event of a total loss, pay the cost of a new replacement vehicle or the value listed on the Declaration page. After 5 model years, the amount listed on the Declaration page will be paid. The vehicle must be a current model year or 1 model year old, with no previous owners, be never titled, and never insured.

Emergency Expense

Coverage if the RV becomes inoperable due to a covered Comprehensive or Collision loss. Also, if more than 50 miles from the insured’s residence or storage facility. This coverage pays up to the selected limit for:

  • Temporary living facilities.
  • Transportation back to the insured’s residence.
  • Cost of returning RV to the insured’s residence, if RV was not declared a total loss.
  • Rental charges while the covered vehicle is being repaired.

Personal Effects

Coverage for the insured’s personal items that are normally used in conjunction with the insured vehicle. Provides coverage up to the specified limit. A deductible will apply.

RV Insurance for Full Timers

Provides coverage for insureds that use the RV as their primary residence including continuously traveling.

This can include insureds who live in an RV while their house is being built or renovated. Primary Vehicle Use must be Primary Residence. So, for us RV life people this can be great coverage.

Coverage can include Personal Liability, Medical Payments, Loss Assessment, and Storage shed contents. Also, may include Bodily Injury & Property Damage for which the insured is legally liable.

Medical Payments

Covers injury to individuals riding in the vehicle regardless of who caused the accident. The same coverage limits will apply to all vehicles on the policy. Bodily Injury coverage is required to select Medical Payments coverage.

Uninsured Motorist Coverage

Uninsured Motorist Coverage covers you, your resident relatives, and the passengers in your covered vehicle. This coverage only applies if it is determined that the other driver is at fault and has insufficient or no liability coverage.

If the Named Insured requests Stacked Uninsured Motorist, then the policy limits for each motor vehicle listed on the policy may be added together. This can determine the total amount that may be recovered (stacked) for all covered injuries to the Named Insured and resident relatives.

If the Named Insured requests a Non-stacked Uninsured Motorist, then the injured person may not add or combine the coverage provided as two or more motor vehicles together to determine the limits of uninsured motorist available, except in very limited instances. So, you can understand how important this coverage is.

Personal Injury Protection (PIP) coverage

PIP, also known as No-Fault coverage, provides coverage regardless of whether or not the Named Insured causes an accident, up to the limits of the policy.

PIP covers the Named Insureds child, who lives in the same household if that child suffers an injury while riding on a school bus.

This also covers the Named Insured and relatives living in their home, certain passengers who lack PIP, and certain licensed drivers who drive the vehicle with the Named Insured’s permission.

PIP protects the Named Insured while in their own or someone else’s vehicle. It also protects the Named Insured as a pedestrian or bicyclist if they suffer an injury in an accident involving a motor vehicle.

The minimum PIP required by law is $10,000. PIP coverage pays 80% of reasonable medical expenses, 60% of lost wages, all reasonable expenses for replacement services such as child care, housekeeping, or yard work, and $5,000 for death benefits.

  • Extended Personal Injury Protection – Available for an additional premium, extended PIP pays for 100% of reasonable medical expenses, and 80% of lost wages.
  • Personal Injury Protection Deductible – This option permits a policyholder to select a PIP deductible of $250, $500, or $1,000. The PIP deductible is subtracted from the available PIP benefit or total amount the Named Insured can collect. If PIP with a deductible for the Named Insured only is selected then the deductible will only apply to the named insured and spouse, not the resident relatives.
  • If PIP with a deductible for Named Insured & Resident Relatives is selected then the deductible will apply to the named insured, spouse, and all dependent resident relatives.
  • Work Loss Exclusion – This option permits a policyholder to exclude benefits received for loss of gross income and earning capacity from PIP coverage.

Roadside Assistance

Provides coverage if the insured’s car is disabled due to a covered emergency and is available 24/7 in the United States and Canada. Another great idea when thinking about RV insurance for full-timers and all the things that can go wrong.

  • Towing Covered vehicles can be towed to the nearest qualified repair facility.
  • Winching Service Pulling a covered vehicle out of an area with a motor-powered cable or chain. Usually offered when a vehicle is trapped in mud, snow, water, or sand within 100 feet of a road or highway.
  • Battery Jump-Start Battery failure
  • Fuel Delivery Fuel is delivered directly to the covered vehicle. The insured is responsible for the cost of fuel.
  • If Locksmith Service Keys are lost, stolen, or accidentally locked inside the covered vehicle, we will dispatch a qualified service provider. The insured is responsible for the cost of replacing the keys.
  • Flat Tire Change
  • On Scene Labor Related to Disablement, up to one hour. So, you can see how helpful roadside assistance can be.

(704) 887-5513



Close your eyes for a moment and just think about this. It’s sunrise, and you roll out of your RV, morning air feeling brisk, fire from the night before taking its last breath as it’s trying to reignite. You find your favorite chair on the site, turn it to look out over the lake, and nestle in to relax. Birds chirping and fish jumping as the new day begins. This is what it’s all about!………. Now imagine a hot cup of coffee in your hand. Life just got so much better!

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