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710 E Laurel Ave
Foley, AL 36535

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Can You Cover Your RV Under Your Auto Insurance Policy?

Owning an RV can be a great way to travel while saving money on hotel costs. RVs also allow you to save money on food, as you can cook your own food instead of eating out at restaurants all the time. Some RV owners are confused when it comes to purchasing insurance coverage for their RVs, and some wonder if it’s possible to cover an RV under an auto insurance policy.

The answer is no, and here is an explanation why.

Your RV is a Hybrid

Since RVs double as a mode of transportation as well as a living space, it’s hard to classify an RV. This is why RVs are covered under their own unique type of insurance. RV insurance provides sufficient coverage for both aspects of your RV, and in a way, it’s like having homeowners and auto insurance combined. 

Auto Insurance Wouldn’t Provide Adequate Insurance

Again, your auto insurance wouldn’t be able to cover the uniqueness of an RV, so it’s best not to attempt to add it to your auto insurance policy. Even if an insurance company were to add your RV to your auto policy, if you needed to file a claim, the coverage likely wouldn’t cover all possible damages. If that were to happen, you would be stuck paying for the remaining repairs out of pocket. This could be quite pricey depending on the damage.

Consult With Southern Risk Associates

So, if you’re ready to purchase adequate insurance for your RV and you need a new insurance company, we’re accepting new customers at Southern Risk Associates. We cover customers in the Foley, AL area, and we go above and beyond to ensure you’re satisfied with Southern Risk Associates. So, if you’re a Foley, AL RV owner, give us a call, and we’ll provide you with a quote. 

Tips for taking your RV to a national park

Taking your RV to a national park can be an amazing experience, but it also requires some preplanning and preparation. Here are some tips from us at Southern Risk Associates to help ensure everyone in the Foley, AL area has the best possible adventure.

Tips for taking your RV to a national park

1. Make sure your RV is in good condition before you set off. Have all necessary repairs and maintenance taken care of in advance so you won’t run into any unexpected problems while on the road. 

2. Plan out your route ahead of time and make reservations for campsites at each stop along the way. Many parks have strict rules about staying only at designated campsites, so it’s important to know exactly where you’ll be staying when you arrive. 

3. Pack wisely; consider bringing along items like cooking supplies, water containers, extra fuel, first aid kits, and flashlights just in case of emergency situations. 

4. Bring maps of the area with you for reference when exploring the park and its attractions; this will help ensure that you don’t get lost during your visit!  Paper maps are helpful if you visit an area without cell service.

5. Leave no trace behind; make sure to practice responsible waste management by disposing of all garbage properly in designated areas or packing it out with you when leaving the park. 

Make Sure To Get RV Coverage

Following these simple tips will help ensure that your next RV trip to a national park is safe and enjoyable! For more tips, give Southern Risk Associates a call today. We proudly serve the Foley, AL area and would be pleased to help you get the coverage you need to protect your RV. Happy travels!

Why do owners need to have RV insurance?

Those that are in the Foley, AL area may find that it can be a great place to live. There are a lot of fun activities and amenities in the area to enjoy and explore. If you are looking to experience the area as much as possible, investing in your own RV is a good option. With an RV, you will have a reliable mode of transit and a place to sleep at night. When you get an RV, you also need to get insurance for it. You will need insurance for various reasons.

Coverage is Needed for Protection

A good reason to have an RV plan is that it can provide you with very valuable coverage and protection. When you get RV insurance, it will offer you the support needed to repair or replace it if you incur a loss. Further, you will obtain valuable liability coverage that will be helpful if you are deemed responsible for an accident. 

Coverage is a Requirement

Most owners will also find that having RV insurance is also a requirement. If you finance your RV purchase with a loan, the lender will want you to maintain a full insurance plan. Further, you will need to carry insurance to comply with the state’s requirements surrounding liability coverage. 

If you decide that investing in an RV is a good option for your situation, you should start your search for a new insurance plan by calling the team with Southern Risk Associates. There are a lot of choices that come with picking a new RV insurance plan in the Foley, AL area. When you are looking for coverage, Southern Risk Associates will give any guidance needed to build and choose an ideal plan that will provide the right support. 

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