Alabama RV Insurance

Local independent agents can help you find the coverage you want at a price you can afford.

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

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 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:

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.

Save on RV Insurance

Our independent agents shop around to find you the best coverage.

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:

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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Now, who's ready to get their insurance problems solved?

Or talk to an agent now at (855) 372-0071