Many Alabama residents find taking their recreational vehicles out for long trips to be relaxing and enjoyable. This may explain why people in this state spend more than $55 million buying or servicing their RVs every year.
Whether you are using your recreational vehicle to camp nearby, like along the Gulf Coast, or you are traveling out of state to see the many beautiful sites America has to offer, you can protect your investment and your finances by purchasing RV insurance.
Local independent agents can help you find a competitively priced policy that meets all of your coverage needs. Find an insurance agent near you to start comparing customized quotes.
What Is RV Insurance?
Recreational vehicles are defined as motor vehicles or trailers that include living quarters. A typical RV will offer a sleeping area, kitchenette, and bathroom.
RV Insurance is designed specifically to cover recreational vehicles ranging from camper trailers to motor homes. This insurance can be customized to meet your specific coverage needs depending on what type of recreational vehicle you own and how you use it.
The unique thing about RV insurance is that it can serve as a combination of home and auto insurance for those who both drive and live in their recreational vehicles.
How Much Does RV Insurance Cost in Alabama?
The cost of an RV insurance policy can range from a couple hundred dollars a year to well over $4,000 a year, depending on a number of factors such as:
- The type of RV you are insuring (e.g., camper van, toy hauler, motor coach, etc.)
- The value of the personal property you keep in the living quarters
- The estimated number of miles you drive the vehicle each year
- The amount of time you spend living in the vehicle each year
- Your driving record, claims history, and credit score
- The size of your deductible
The only way to find out how much an RV insurance policy will cost is to contact a few insurance companies and request customized quotes. At your request, an independent agent can do this for you.
Is RV Insurance Required in Alabama?
If your recreational vehicle is a non-motorized towable, like a fifth wheel, camper, or travel trailer, you do not need to buy insurance for it. Instead, its coverage will come through the policy that covers the towing vehicle. You can purchase a trailer rider to ensure that it is fully covered.
However, if your RV is self-propelled, like a motor home or camper van, it will be held to the same coverage requirements as your car or truck. In Alabama, this means that your RV insurance policy must include the following:
- RV liability insurance: This covers any injuries and property damage you may cause to others if you are at fault for a collision. In Alabama, your policy must include at least:
- Bodily injury liability insurance: $25,000 per person, $50,000 per incident
- Personal property liability insurance: $25,000 per incident
- Uninsured motorist insurance: This can cover your property damage or injuries if another driver is responsible for a collision with your RV. Alabama does allow drivers to opt out of this coverage. Unless you have opted out, you are required to have:
- Uninsured bodily injury insurance: Coverage of at least $25,000 per person, $50,000 per incident
- Uninsured property damage insurance: No minimum requirement
RVs are larger and heavier than most vehicles on the road. This means that if you are responsible for a collision while driving one, you are likely to cause a lot of property damage and potentially serious injuries to others.
If your financial responsibilities from an accident you caused are greater than your RV’s policy limits, you will need to make up the difference yourself. That is why many RV owners in Alabama opt to purchase liability insurance in much higher amounts than the state requires.
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What Else Can Alabama RV Insurance Cover?
RV insurance is basically a hybrid of auto insurance and home insurance. This means there will be several coverage options available so you can customize your policy to meet your specific coverage needs.
You can expect your insurance provider to offer several types of coverage like:
- Personal liability coverage: If you live in your RV full-time or for several months out of the year, this insurance can give you the same personal liability protection you would get through a homeowners or renters insurance policy.
- Vacation liability coverage: If you only use for RV for vacationing, this coverage can provide you with additional liability protection if you are responsible for property damage or injuries while staying at an RV park.
- Umbrella insurance: Because of the high risk of serious injuries or property damage if you cause a collision while driving your RV, you may want more liability coverage that policy can provide. Umbrella insurance is an affordable way to significantly boost this coverage as well as your personal or vacation liability coverage.
- Contents coverage: This can pay to repair or replace the personal property you keep in your RV if it is lost or damaged due to a covered event such as a fire, tornado, or burglary. This can cover the appliances and furnishings in your RV as well as your personal items like clothes and electronics.
- Collision and comprehensive coverage: These are designed to cover damage to your RV. If you have financed it and are still making payments, your lender is likely to require you to carry both.
- Collision coverage: This can cover the cost to repair or replace your RV if it is damaged in a collision while you are out on the road, even if you were the at-fault driver.
- Comprehensive coverage: This can cover the cost to repair or replace your RV if it is lost or damaged while it is parked. Covered non-collision events include things like hurricanes, floods, and tornadoes.
- Towing and roadside assistance: Most RVs are large and therefore require specialized towing if they become disabled. By adding this optional coverage to your RV insurance policy, you can rest assured that a roadside service call will not set you back financially.
It is important to be aware of all your various options so that you can be certain that your policy includes all the coverage you need.
Where Can I Find the Best RV Insurance in Alabama?
If you are looking for the best RV insurance policy to meet your coverage and budgetary needs, look no further than a local independent insurance agent. There are more than 300 independent agents located in Alabama so it should be easy to find an agent close to home.
Discover the many benefits of having a local insurance professional on your side. Contact an insurance agent near you to start comparing customized RV insurance quotes today.
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