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710 E Laurel Ave
Foley, AL 36535

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Exploring Alabama’s Outdoors: Your Guide to Recreational Insurance

Living in Foley, AL, you’re surrounded by incredible parks, rivers, and more. You may be itching to explore it all, and that’s why you’ve invested in some kind of recreational vehicle. Before you start exploring the outdoors too heavily, be sure that you have recreational insurance. Learn about the possibilities with the help of Southern Risk Associates.

Consider Where You Travel

Where you travel makes all the difference when you’re looking at recreational insurance. This is due to the miles you’re traveling and where you may be parking every night.

Insurance companies look at distance. The further you go, the more risks you’re likely to experience. Insurance companies also consider potential security issues. It will matter if you regularly park your RV or trailer in national parks versus RV parks.

Be prepared to talk to an insurance agent about where you’re traveling and even the frequency of your travels.

Consider What Your Recreational Vehicle Consists Of

Recreational vehicles vary dramatically. Some have engines, while others will be hitched to your existing vehicle. As such, the coverage matters.

If you don’t have an engine on your recreational vehicle, you don’t have to have insurance, according to Alabama state law. However, it’s still a good idea so that you have thorough protection.

If you have an engine, it is your vehicle and requires the same liability policies as a car or truck.

Customize a Policy with the Help of Southern Risk Associates

You’ll have the opportunity to customize your recreational insurance policy. At Southern Risk Associates, we can help you every step of the way.

We’ll talk to you about such additions as:

  • Liability
  • Comprehensive
  • Collision
  • Uninsured motorist
  • RV towing

When you’re in or around Foley, AL, call us at your earliest convenience to discuss what policy will work best for you.

Servicing States

  • Alabama
  • Mississippi
  • Georgia
  • Florida

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • Have access to your auto ID cards anytime!


Partner Carriers

  • Alcon insurance services
  • American Modern
  • Amwins
  • Chubb
  • Guard Insurance
  • National General
  • Openly
  • Orchid
  • Orion 180
  • Progressive
  • RPS
  • SafeCo
  • Sagesure
  • State Auto
  • Swyfft
  • Traveler's
  • Universal Property