Recreational Vehicle Insurance in Beaufort, NC, Morehead City, NC, & Surrounding Areas

All motor vehicles include significant risks and exposures regardless of type or purpose. Owners and operators of recreational vehicles may have a particular need to account for potential perils and incidents. Recreational vehicles represent valuable financial investments and even common uses of these vehicles may put them in harm’s way. With this in mind, you should prioritize understanding, acquiring and maintaining adequate insurance.

What Is Recreational Vehicle Insurance?

As its name suggests, recreational vehicle insurance can provide critical financial security for various vehicles. Although often thought of as primarily intended for motorhomes, trailers and campers, the agents at Willis Insurance can also help you financially protect your boat, motorcycle, ATV and snowmobile under these policies. Regardless of the type of vehicle you’re insuring, adequate coverage can secure crucial financial assistance following incidents that might otherwise incur sizable out-of-pocket losses.

What Does Recreational Vehicle Insurance Cover?

The details of recreational vehicle insurance may vary significantly. Still, many of the primary components of these policies include similar features as you might find in standard auto insurance, including the following:

• Bodily injury liability—This coverage can help pay for third-party losses following an accident for which you were at fault.
• Property damage liability—This coverage may provide financial assistance to repair or replace a third party’s property that you were responsible for damaging.
• Collision—This coverage may render aid for damage sustained by your own vehicle in collisions with other vehicles or stationary objects.
• Comprehensive—This coverage may help pay for repairs if noncollision incidents, such as fires, criminal activity, lightning and hail, damage your vehicle.
• Medical payments (MedPay)—This coverage can insulate you and your passengers from health care costs following an accident, regardless of who was at fault.
• Uninsured/underinsured motorist—This coverage may help you recoup your losses if another party was at fault for an incident but lacks adequate insurance.

Additional coverages may also be available depending on what type of recreational vehicle you are insuring. For example, motorhomes and campers may need campsite and vacation liability coverage to financially protect you from third-party losses occurring while your vehicle is parked. Similarly, motorcyclists may be able to purchase coverage for their riding gear.

Get the Right Coverage

With a history of serving the Beaufort, NC areas dating back to the 1950s, the dedicated staff at Willis Insurance has the experience needed to help you ensure your recreational vehicles. Our knowledgeable agents will work with you to assess your coverage needs and assemble optimal policies. Contact us today to get started.