South Carolina RV Insurance

South Carolina, with its picturesque coastlines, rolling hills, and welcoming campgrounds, is a popular destination for RV enthusiasts. Whether you’re planning to explore the historic charm of Charleston or the scenic beauty of the Blue Ridge Mountains, owning an RV allows you to enjoy the Palmetto State on your own terms. But before hitting the road, it’s essential to make sure your RV is properly insured. South Carolina has specific insurance requirements for RV owners, and securing the right coverage will ensure your motorhome or travel trailer is protected wherever your adventures take you.

In this guide, we’ll walk you through South Carolina’s RV insurance requirements, costs associated with insuring your RV, common risks in the state, and tips for ensuring you have the best coverage for your needs.

South Carolina RV Insurance Frequently Asked Questions

Yes, RV insurance is required in South Carolina for all motorized RVs, including Class A, B, and C motorhomes. These vehicles are considered motor vehicles under state law, meaning they must carry the same minimum liability insurance required for cars and trucks. This coverage is essential in case you are at fault in an accident that causes injury or property damage to another person.

For towable RVs (such as travel trailers, fifth wheels, and pop-up campers), insurance is not legally required. However, it’s strongly recommended to carry additional coverage for these vehicles. While liability coverage extends from the towing vehicle when the RV is being towed, towable RVs are not covered for other risks like theft, vandalism, or damage while parked or stored. Comprehensive and collision insurance can help protect your towable RV from these potential hazards.

 

Owning an RV in South Carolina opens the door to endless adventures, from coastal getaways at Myrtle Beach to exploring the mountain trails of the Upstate. However, protecting your RV with the right insurance coverage is essential to ensure you can continue your journeys with peace of mind. Whether you own a motorized RV or a towable camper, having the right insurance safeguards you from financial losses in case of accidents, weather damage, theft, or vandalism.

In addition to fulfilling legal requirements, RV insurance in South Carolina offers several advantages, including:

  • Protection from costly repairs: Whether it’s damage from a storm, accident, or vandalism, repairing an RV can be expensive. With comprehensive and collision insurance, you’re covered for these unexpected events.
  • Liability protection: If you’re involved in an accident that results in injuries or property damage, liability insurance protects you from potential lawsuits or medical costs.
  • Personal belongings coverage: Many RVers travel with valuable personal belongings, including electronics, outdoor gear, and camping supplies. Personal belongings coverage ensures that these items are protected while you’re on the road or parked at a campsite.
  • Peace of mind during storage: Even when your RV is parked in storage during the off-season, comprehensive coverage protects your vehicle from risks like theft, fire, and storm damage.

 

  • $25,000 for bodily injury per person
  • $50,000 for bodily injury per accident
  • $25,000 for property damage per accident
 

The cost of RV insurance in South Carolina varies based on several factors, including the type of RV you own, how often you use it, and your driving history.

Your premium will depend on factors such as the RV’s value, your driving record, whether you use your RV full-time or part-time, and the amount of coverage you choose. Additionally, taking advantage of available discounts, such as bundling your RV insurance with other policies, can lower your premium.

Testimonials

Marty Karriker is a class act! His communication and business ethics are top notch and it’s always a pleasure to work with him and his team.

- Andrew Steele (RVing with Andrew Steele)

Unique Aspects of RV Ownership in South Carolina

South Carolina is known for its RV-friendly parks and campgrounds, making it a popular state for RVers. From the coastal campgrounds at Huntington Beach State Park to the scenic Blue Ridge Parkway, there are plenty of places to explore in your RV. In fact, many of the state’s campgrounds offer full hookups and amenities tailored to RVers, making it easy to enjoy a comfortable experience.

However, South Carolina’s diverse landscape also presents challenges. Coastal regions are more susceptible to hurricanes, while inland areas can face heavy rain and flooding. RV owners need to be mindful of these risks and choose insurance coverage accordingly.

Additionally, some insurance companies offer special discounts for RV owners who store their vehicles in secure locations, such as covered or enclosed facilities. By taking advantage of these discounts and bundling your RV insurance with other policies (such as auto or home insurance), you can save on premiums while ensuring full protection.

Request a Quote

If you’re ready to protect your RV in South Carolina, we’re here to help. Our RV insurance policies are tailored to meet the unique needs of RV owners, with flexible coverage options, competitive rates, and personalized service. Contact us today to get a free quote and ensure that your RV is protected, whether you’re cruising along the coast or exploring the mountain trails of the Palmetto State.