This is a question answered by many RV insurance agents in the United States. What complicates the issue is that every state has its own set of laws, for example, New Hampshire and Virginia do not mandate insurance for RVs and motorhomes.
As a North Carolina resident, however, you are required to have recreational vehicle insurance if yours is drivable. RVs that are towed, such as fifth wheels, pop-ups, and travel trailers, are typically covered by liability insurance of the vehicle doing the towing. But when an RV has its own motor and a steering wheel, like a motorhome, then a minimum amount of liability protection is mandatory to pay for losses suffered by third parties in accidents where you are at fault. Note that these insurances do not extend to the costs of your own injury or property damage.
The State of North Carolina also requires uninsured or underinsured motorist coverage to protect you if a driver who damages your RV does not have (sufficient) insurance coverage.
What’s more, if you have financed or leased your RV, the lender will most likely require you to carry a full coverage policy. Finally, RV rental insurance is needed if you plan to rent an RV for a quick getaway.