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Owning a recreational vehicle (RV) or boat comes with various responsibilities, including ensuring that you’re adequately protected in the event of an incident. That’s where proper insurance protections come in handy. At PAC Insurance Services Inc., we specialize in helping RV and boat owners in or around Birmingham, Bessemer and Roebuck, Alabama, get the RV and boat insurance they need. 

Call us today to find out how we can help you.  

RV Insurance 

How Does RV Insurance Work? 
RV insurance works like most types of insurance. You pay an insurance premium, and your insurance carrier helps cover your expenses after an accident or other covered event. Depending on the type of claim you file, you may need to pay your deductible before your insurance steps in to cover the rest of the cost of the claim.  

What Does RV Insurance Cover? 
RV insurance policies vary based on the type of RV you own and its associated risks. Some common types of coverage include: 

• Liability coverage—This type of coverage helps pay for third-party property damage or bodily injuries for which you may be liable. 
• Collision coverage—This type of coverage helps pay for repairing or replacing your RV after a collision. 
• Comprehensive coverage—This type of coverage helps pay for repairing or replacing your RV after a noncollision incident (e.g., weather damage, a tree falling on your vehicle or hitting an animal). 
• Medical payments coverage—This type of coverage helps pay for medical bills incurred by you or your passengers following a covered incident. 
• Other types of coverage can help with roadside assistance, rental car coverage, and expenses protection (for emergency hotel bills and other costs). 

 

Boat Insurance 

What Is Boat Insurance? 
Boat insurance is also essential protection. Some policyholders are hesitant to maintain year-round coverage, thinking it’s not worth it during the winter season. However, accidents can occur while your boat is in storage, making it essential to maintain coverage year-round. 

What Does Boat Insurance Cover? 
Standard boat insurance may include the following: 

• Liability coverage—This type of coverage helps pay for third-party property damage or bodily injuries for which you may be liable. 
• Medical payments coverage—This type of coverage helps pay for medical bills incurred by you or your passengers following a covered incident on your boat. 
• Boat insurance property coverage—This type of coverage helps cover the cost of repairing or replacing your boat following damages, theft or vandalism in a covered incident.  

There may be other coverages available to you, so it’s best to work with a qualified professional to help you secure the appropriate coverage.  

How to Get RV or Boat Insurance in Alabama 
If you live near Birmingham, Bessemer, and Roebuck, Alabama, the agents at PAC Insurance Services can help you learn more about RV and boat insurance policies so you can decide on the right vehicle coverage. Give us a call today to get started.