Hausmann Insurance & Financial Services

2313 Randolph Rd
Charlotte, NC 28207

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Hausmann Insurance & Financial Services Blog

Do I need motorhome insurance if I only use my motorhome once a year?

Motorhome owners are required to purchase motorhome insurance regardless of how frequently they use it. Like vehicle owners, motorhome owners are legally required to carry liability insurance. RV insurance provides liability coverage for motorhome owners. Hausmann Insurance & Financial Services provides RV insurance for their Charlotte and Waxhaw, NC customers.

We can help you get the coverage you need to legally operate your motorhome

What is RV Insurance?

Technically speaking, an RV is a large vehicle on wheels. An accident involving an RV can cause a lot of damage. As a result, RV owners are required to carry RV insurance that provides liability protection for incidents and accidents when they are at fault. Even if you only operate your RV once a year, you are required to carry insurance to legally drive it. 

An RV insurance policy can also pay for the repair or replacement of your RV or motorhome. You have many coverage options available to you as an RV owner. However, liability is the only legally required coverage. If you’re financing your RV, your financer will likely require you to carry full coverage RV insurance. However, keep in mind that only motorhomes or motorized recreational vehicles require insurance. If you own a travel trailer, your auto insurance will cover your travel trailer. 

You Have Coverage Options

Although liability coverage is required to operate all motorized RVs, you can still choose other options based on how frequently you use your RV. Our team at Hausmann Insurance & Financial Services can help Charlotte and Waxhaw NC residents get the coverage that fits their unique situations. Motorhome owners can choose from;

  • Liability 
  • Collision 
  • Comprehensive 
  • Uninsured/underinsured motorist
  • RV towing insurance

Like auto insurance, RV insurance provides liability protection as well as protection from loss if your motorhome is damaged. Many people would be unable to pay out-of-pocket costs to repair damage to your motorhome or other costs for an accident where you’re at fault.

Contact Us Today

If you have questions about RV insurance, call us. We want to help you to get the coverage you need. Consult with us at Hausmann Insurance & Financial Services serving the greater Charlotte and Waxhaw, NC communities for expert insurance guidance.