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Tarheel Insurance Group

201 N Front St
Suite 915
Wilmington, NC 28401

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324 S Wilmington
St #305
Raleigh, NC 27601

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RV Insurance in North Carolina

A recreational vehicle is a major investment that enables you to explore new places without roughing it in a tent or searching for costly vacant hotel rooms. To comply with the law and avoid unnecessary risks, it's crucial for every motorhome owner to carry adequate RV insurance.


The state of North Carolina requires all recreational vehicle drivers to obtain liability coverage. A qualifying insurer must have a license to sell insurance in this state. The authorities require insurers to inform them when any automotive liability policy is ended, so it's vital to stay covered at all times.

Unless it is licensed for commercial purposes, an RV's owner faces the same minimum insurance amounts as any auto driver in Wilmington, NC. These minimums apply to damage, injury, and uninsured motorist coverage. If you take out a loan when purchasing your recreational vehicle, the bank may expect you to sign up for additional coverage. The same goes for rented RVs.


A recreational vehicle policy covers damage inflicted upon your motorhome in a crash. It may also provide assistance when theft, a natural disaster or vandalism occurs. Additionally, this kind of insurance could prove useful when your RV injures someone or damages their property. Specific benefits vary depending upon the insurer and type of policy.

  • Vehicle theft
  • Traffic accidents
  • Fires, disasters
  • Severe weather


Different kinds of RV coverage are available. Basic liability plans only cover harm to others. Collision policies provide coverage for most auto accidents. Comprehensive insurance protects owners from a variety of other events, such as falling branches and crashes that involve wild animals. You may have the option to obtain additional coverage for towing, windshield replacement, or certain accessories.

To sum it up, a recreational vehicle policy protects the investment in your motorhome while ensuring that you follow the law and have the ability to compensate fellow motorists when necessary. Tarheel Insurance Group offers a variety of RV insurance plans you can depend on. Our friendly staff will help you choose the right policy. Please call or visit Tarheel Insurance Group in Wilmington, NC for a free quote.

Partner Carriers

  • Allstate
  • Attune
  • Cabrillo Coastal
  • Chubb
  • Dairyland
  • Foremost
  • Geovera
  • Grange
  • Guard Insurance Group
  • Hagerty
  • Heritage
  • Kemper
  • Liberty Mutual
  • Lighthouse
  • National General
  • Nationwide
  • North Carolina Joint Underwriting Association (NCJUA)
  • Orion 180
  • Progressive