RV insurance is vital if you own a motorhome. Accidents can be unpredictable and create high repair or recovery expenses. RV insurance can reduce out-of-pocket costs following a covered accident, often making accident recovery less financially stressful. Choosing the right policy can be confusing, but PAC Insurance Agency is here to help guide you through the coverage selection process. 
Do You Really Need RV Insurance?
Alabama requires all drivers, including RV operators, to have liability coverage. This may help pay for others’ bodily injuries and property damage if you are at fault in an accident. Although carrying the minimum liability insurance can help you comply with the law, if an accident occurs that isn’t covered by liability coverage or if it exceeds the minimum required liability limits, you may be forced to cover significant costs out of pocket after an accident.
Alabama generally does not require you to insure your nonmotorized travel trailer or pop-up camper, but some parks or campgrounds may ask you to present proof of financial responsibility.
What Does RV Insurance Cover?
RV insurance varies among policyholders. Most RV insurance policies include liability coverage, but liability insurance doesn’t cover some losses (e.g., those caused by collisions with objects or severe weather). Additional coverages are typically needed for those incidents for sufficient financial protection.
Coverage options you may elect to have for a more robust policy may include the following:
- Collision coverage
- Comprehensive coverage
- Uninsured/underinsured motorist coverage
- Medical payments coverage
- Roadside assistance coverage
Your policy may be tailored to include alternative or additional coverage options. Contact a PAC Insurance Agency agent to learn about customizing a policy to fit your needs.
How Expensive Is RV Insurance?
RV insurance rates tend to fluctuate significantly among motorhome owners. Factors such as your driving record, RV model, usage and location may be used by your insurance provider to determine how much premiums cost. An RV owner with a poor driving record who has filed several insurance claims will often be viewed as a higher risk and pay more for coverage than an RV owner with a clean driving record who has never filed a claim.
Learn More
If you are an RV owner near Hoover, Bessemer or Roebuck, Alabama, the experienced and dedicated agents at PAC Insurance Agency can assist you in learning more about RV insurance to help you decide on a policy that meets your needs.
Contact our Hoover location at 205-823-2037, our Roebuck location at 205-836-5959 or our Bessemer location at 205-426-9885 for more information.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.