At Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC, we cater to RV owners of all types—be it clients who use their RVs part of the year, leave their RVs in storage year-round, or fully dwell in their RVs as they travel consistently. Irrespective of how frequently you use your RV, it’s essential to have coverage that protects you and your RV while on the road. This is especially crucial for full-time RV dwellers, where having apt coverage is paramount.

Exploring Insurance Options

Before finalizing an RV insurance policy, we recommend contacting our office to explore potential options. You might be surprised to find multiple policy options available. Moreover, you can inquire about additional policies that may be suitable for your circumstances, ensuring comprehensive protection.

Secure Coverage Before It’s Needed

A common mistake we notice among RV owners and other insurance clients is waiting to secure insurance until an event occurs that necessitates it. Unfortunately, we cannot help retroactively in such scenarios. Insurance can only cover expenses incurred after the coverage is activated. Thus, getting an insurance policy as soon as you purchase an RV is advisable.

Opt for More Coverage Than You Presume You Need

Sometimes, people opt for the bare minimum in insurance coverage. While this might seem cost-effective in the short run, it can lead to complications. Acquiring more coverage than you think you need provides peace of mind while you’re on the road.

For more information, feel free to call our office at Hedgepeth-Hutson Insurance Services Inc. in Nashville, NC!

For those who are in the Nashville, NC area, having a way to explore the area is an excellent option and investment. One of the ways you can easily explore and see all that this part of North Carolina has to offer is by investing in your RV. When you purchase an RV, you will enjoy having a place to sleep at night and a reliable mode of transportation. When you purchase an RV here, you must also get RV insurance. You will need this type of coverage for various reasons. 

Reduce the Risk of Asset Loss

A reason to have an RV insurance plan here is to reduce the risk of losing an asset. The impact can be significant if your RV is damaged in an accident or stolen. Fortunately, this risk can be reduced if you also get an RV insurance plan, as this type of coverage will provide support if you incur a covered loss. 

Liability Risk Mitigation

Getting an RV insurance plan to reduce your risk of liability. There is always a chance you can be held liable in an accident involving your RV. When you get a full RV insurance plan, it will provide the support necessary to cover the damages you are responsible for.

If you are going to buy an RV in Nashville, NC, you always need to ensure you are adequately covered. A great way that you can do this is by calling our team with Hedgepeth-Hutson Insurance Services Inc. When you contact our professionals at Hedgepeth-Hutson Insurance Services Inc., you will receive all the help you need to build a new plan. 

RVing is an adventure that many people enjoy. It allows you to travel and see different parts of the country while still having all the comforts of home. However, it’s important to remember that RVs are also large vehicles that need to be insured. 

If you live in Nashville, NC, you can insure your RV from Hedgepeth-Hutson Insurance Services Inc., which provides different types of RV insurance, including full-time RV insurance. But before that, take your time to understand this type of insurance policy.

What Is Full-Time RV Insurance?

Full-time RV insurance is designed for people who live in their RVs full-time or spend more than 150 days per year in them. This policy provides coverage for your RV, personal belongings, and liability. It’s important to have full-time RV insurance because it will protect you financially if something happens to your RV or if you are involved in an accident.

What’s Included in Full-Time RV Insurance?

Full-time RV insurance is typically a mix between homeowners insurance and auto insurance. It will cover your RV and any attached structures, such as awnings or satellite dishes. It will also cover your personal belongings inside the RV up to a specific limit. 

In addition, full-time RV insurance provides liability coverage in case you are involved in an accident, and someone is injured, or your property is damaged. If your RV is totaled, most policies will also provide coverage for a replacement RV.

Where Can You Get Full-Time RV Insurance?

Getting full-time RV insurance in Nashville, NC is easy as long as you know where to look. Hedgepeth-Hutson Insurance Services Inc. offers full-time RV insurance for all types of RVs. Talk to our agent to understand the different liability coverage available and your best options depending on your situation.

RVs are outstanding vehicles in Nashville, NC for embarking on long road trips because they are a vehicle and a home enshrined in one package. Rather than giving this stunningly beautiful experience of exploration, they also require formidable protection. In a nutshell, RV life can be both fun and liberating. At Hedgepeth-Hutson Insurance Services Inc., serving Nashville and its surroundings, we believe the best way to acquire magnificent RV insurance coverage is to garner the best insurance information. Keep reading to furnish yourself with reasons why RV insurance is a necessity.

Protect your asset

Anytime your RV cruises the roads in Nashville NC you must prepare financially for any abrupt occurrences that might strike it even off the road. Unluckily, calamities such as impending accidents and theft can put your assets in jeopardy. To halt these instances of paying cash, you need RV insurance to cater to repairs and of your RV.

Liability protection

RV insurance in Nashville, NC might shield you from claims, accident liabilities and expensive lawsuits. However, liability insurance in your RV caters to costs arising from injuries and property damage you propagate to other people, and you are found to be legally culpable.

Protect you and your passengers

RV insurance instills peace of mind, knowing that you and your passengers boarding your RV are guarded during a road trip or enjoying a vacation. In addition, if you purchase medical payment coverage on your RV insurance, your medical costs accrued are settled.

It’s a legal requirement.

Just like your car or home, many states, including North Carolina, require your RV to maintain liability insurance. Driving on the roads of North Carolina without this type of RV insurance may expose you to dire penalties and fines.

Do you need prolific RV insurance in Nashville, NC to protect you and your camp trailer? Please call or visit us at Hedgepeth-Hutson Insurance Services Inc. for more information about RV insurance.

When you purchase RV insurance, it’s important that you understand exactly what coverage your policy is offering. At Hedgepeth-Hutson Insurance Services Inc., we provide RV insurance to RV owners in the Nashville, NC area.

The following are three expenses your RV insurance policy should provide coverage for. 

Repair costs for RV damage

A good RV insurance policy should provide collision coverage. This type of coverage will pay for repairs to the RV itself in an accident. 

If you purchase liability insurance alone, your RV insurance policy won’t provide coverage for RV damages. However, it’s always a good idea to invest in collision coverage to enjoy coverage for repair costs. 

Medical bills resulting from an accident involving the RV

Any RV insurance policy should provide liability coverage. Liability coverage is required by law if you’re driving your RV on public roadways.

RV liability coverage will pay for any medical bills that result from an accident for which the policyholder has been judged at fault.  

Property damage resulting from an accident for which the RV owner is at fault

Another type of liability coverage that a standard RV insurance policy should include is property damage coverage. 

In the state of North Carolina, an RV insurance policy needs to include at least $25,000 in property damage coverage. This coverage will come into play if the policyholder is deemed at fault for damages to the property of another party in an accident. 

Are you on the market for the right RV insurance policy in Nashville, NC? Let us help you find the right policy for your needs. You can reach out to us on the phone or via our website at Hedgepeth-Hutson Insurance Services Inc. for assistance with RV insurance concerns.