RV Insurance: What is Personal Attachments Coverage?

Greensboro RV Insurance is similar to standard automobile insurance, with many important features you need if you actually operate your RV on public roads as opposed to keeping it parked and not driving it anywhere.  It's also similar to homeowners insurance in that it provides protection for personal property kept in your vehicle in the same way your home insurance provides protection for the personal belongings kept in your home.  For some, their RV actually is their home and they need to have comprehensive protection from financial loss from any of the many perils to which an RV may be subject.

What's Required for Your RV

Just as with any motor vehicle being driven on North Carolina's public roads, the only vehicle insurance required by state law is a minimum amount of liability coverage that pays benefits to someone suffering injury, death or property damage as the result of an accident you've caused.  Add to this uninsured/underinsured motorist coverage, which pays you if you're the victim of a hit and run accident or involved in an accident caused by someone with either no or insufficient insurance coverage.

Beyond the Required Minimums

It's easy to see that the minimum amounts of liability and uninsured/underinsured RV insurance coverage are significantly less than you'd likely need if involved in a real-world accident with your RV.  These minimums are 30/60/25 per accident, or $30K for a single person injury, $60K for two or more persons injured and $25K for property damage.  The same minimums apply to uninsured/underinsured coverage.  A serious accident where you're found to be at fault would likely require significantly more funds than the minimums provide and experts advise you take out three to five times the minimum amounts of coverage required.  Some say you should carry as much liability protection as you can afford.  An affordable solution is to take out an umbrella policy.

Popular Options to Required RV Coverage

Standard Greensboro RV insurance covers the legally required liability and uninsured motorist coverages and adds some important protection such as:

• Collision insurance
• Comprehensive coverage for losses resulting from other than collisions
• Personal property coverage
• Medical payments coverage

Another optional coverage, unique to RV insurance, is Personal Attachments Coverage.  This is protection against losses relating to the theft, damage or destruction of anything attached to the exterior of your RV and may include:

• Satellite dish
• Bicycle
• Awning
• Cargo carrier
• Outdoor furniture, and more