Steiner Insurance Group

1161 Sonoma Park Dr
Suite 200
Norman, OK 73071

Get Directions

RV Insurance Coverage Options To Consider

Owning an RV is quite a huge milestone. Living your life on the road while enjoying the convenience of a home is an enjoyable experience. Your RV is probably the most expensive investment after a house. And like any other valuable investment, you must protect it the best way you can. Moreso, the sheer size of an RV increases the risk of damaging properties and vehicles if an accident occurs.

RV insurance is a must-have for RV owners. However, having RV insurance is one thing and having the right coverage is another. Steiner Insurance Group highlights several RV insurance policies you can consider if you live in Nashville, NC and surrounding areas. 

RV Insurance Coverage Options To Consider

  • Liability coverage: As mentioned, due to their large size, RVs can cause significant damage if an accident occurs. The resulting property damage or injuries to others can cost thousands of dollars. Luckily, liability coverage covers the consequential damage caused to others.
  • Collision and comprehensive coverage: Collision coverage covers the damage to your RV when it crashes with an object or another vehicle. On the other hand, comprehensive coverage protects you when your RV suffers damage from non-collision incidences like vandalism, theft, or fire. These policies compensate you for the damage or replacement of your RV up to the coverage limit.
  • Uninsured or underinsured coverage: People always break the law. You may encounter drivers with no insurance or those without enough insurance. In the case of an accident with such, this coverage pays for the resulting damages. Better still, it steps in for a hit-and-run situation.
  • Total loss replacement: Since RVs are expensive, total loss replacement coverage is crucial for every RV owner. It covers your totaled RV at full and original price without subtracting the depreciation.

Contact Us Today

Besides these major coverage options, there are also additional available options. They include roadside assistance, emergency expenses, personal effects, and more. If you live in Nashville, NC, and its surroundings, Steiner Insurance Group will help you understand what RV insurance policies suit your needs. Contact us today to start the conversation.

Benefits of RV Insurance

You love traveling in your RV, but did you know you need insurance for your RV in Nashville, NC –  like you need insurance for your car? Many people are unaware of the benefits of RV insurance and how it can protect them on the road.

Benefits of RV Insurance 

What is RV Insurance?

RV insurance is insurance that covers your recreational vehicle, just like auto insurance covers your car. This type of insurance helps pay for damages to your RV or someone else’s property if you have an accident while driving your recreational vehicle. It also provides liability coverage if they sued you for damages from an accident.

A Steiner Insurance Group representative can help you find the right policy to protect your investment on the open road.

Why Do You Need RV Insurance?

Just like you need to have auto insurance to drive your car, you need RV coverage to drive your recreational vehicle. There are a few reasons you may need RV insurance. The first reason is that most states require it, including North Carolina.

Another reason to have motorhome insurance is for the protection it provides. This can include damages to the other vehicle, property damage, and medical expenses. If you cause an accident, your RV policy can help pay for the damages.

Your motorhome insurance can also provide liability coverage if someone gets injured or killed in an accident you caused. This policy can help protect your assets if someone sues you for damages.

RV insurance is a must for those who love to travel in their recreational vehicle in Nashville, NC. For more information about the different policies, contact Steiner Insurance Group.

How Is RV Insurance Different From Auto Insurance?

One of the biggest questions people ask about RV insurance is how it differs from their typical auto insurance policy. Why can’t you simply use your auto insurance to cover your RV as well? There are actually a few good reasons why you should consider getting a new policy to cover your travels.

Steiner Insurance Group, which serves Nashville, NC, understands your RV insurance needs. As you consider your policy options, here are a few things you need to know before you go on your next big trip.

RV Insurance Provides More Options

While you may initially see that RV insurance policies appear similar to other auto insurance policies, the truth is that RV insurance has many more options. For example, you may find that RV coverage offers many options for full-time travelers. If you live in your RV, you need different insurance coverage than somebody who travels just a few times each year.

RV Insurance Covers Camping Time

RV insurance also offers coverage for your belongings and RV when you are parked. You can think of RV insurance in a similar way to renter’s and homeowner’s insurance policies. When you are camped, your RV is at risk for damage caused by vandalism or weather, for instance. Additionally, the items in your RV could be stolen. You want to ensure that your items will be covered no matter where you are.

Find RV Insurance For Your Needs

If you live in Nashville, NC and want to find RV insurance, Steiner Insurance Group can help. No matter where you like to travel, it is important that you speak with a professional insurance agent. We are happy to help you find the right insurance coverage for your RV.

Insurance tips for RV enthusiasts

As the weather warms up, many RV enthusiasts in the Nashville, NC area are anxious to get out on the road! The team at Steiner Insurance Group is helping our clients prepare by providing the information necessary to select the right RV insurance policy. RV coverage is an important aspect of owning such a vehicle, and your coverage must suit your needs. If it’s time to review your policy or look for initial coverage, call or stop by today!

All RV coverage is not the same!

Several different factors can determine which type of RV insurance is the right fit. For example, do you store and use your vehicle at home, or do you only use it for road travel? Additionally, people who park their RV in a campground or park for use may have different needs. Anyone who entertains friends or family in their vehicle will want to review their liability coverage to ensure it is adequate.

From the few examples above, it is likely that not every policy will be a good fit for every situation. Thus, it is important to understand the policy features and benefits that are available to RV owners in the state of North Carolina. Having incomplete coverage can create several different problems if a covered event happens. Don’t find out after it’s too late that your RV policy is not suitable for your needs!

We are here to answer your RV insurance questions

Steiner Insurance Group is proud to serve our friends and neighbors in the beautiful Nashville, NC community. If you have questions or concerns about RV insurance and which policy is right for you, call or stop by our office today!

Partner Carriers


  • american-modern
  • cna
  • encompass
  • foremost
  • hagerty
  • kemper
  • mdow
  • mercury
  • northstar
  • progressive
  • safeco
  • statewide-general
  • travelers