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Motor Home Insurance in Alabama

If you want to take your home with you as you explore the beautiful sceneries of Alabama, a motorhome is a perfect investment to fit your exploratory needs. But as you plan to invest in a motorhome, don’t forget one thing: motorhome insurance. However, since a motorhome exhibits the characteristics of both a home and a vehicle, you might be confused about which insurance to purchase. Well, at Southern Risk Associates of Foley, AL, we understand how confusing it can be. As a result, we are ready to hold your hands as you navigate the motorhome insurance world.

Is motorhome insurance required in Alabama?

If your motorhome is motorized (not towed), you need motorhome insurance if you drive on public roads. In Alabama, you need to include liability coverage in your motorhome insurance. Liability insurance protects you when you cause bodily injury and property damage to other people.

While adhering to state requirements is critical, you need more than the state-required minimums to enjoy your motorhome to the maximum.

Optional motorhome insurance coverages

If you want optimal coverage for you, your motorhome, and passengers, you need to consider the below optional motorhome coverages.

• Collision coverage: It protects your motorhome against physical damage following collisions with other motorists or stationary objects.
• Comprehensive coverage: It safeguards your motorhome against non-accident perils like falling objects, vandalism, fire, theft, and certain natural calamities.
• Contents coverage: You probably have valuable assets in your assets. This coverage protects your assets from loss or damage to items like sports gear, electronics, clothing, and other equipment.
• Vacation liability: Provides you with liability coverage while using your motorhome as a vacation home.
• Full-timer coverage: If you utilize your motorhome nearly throughout the year, you need coverage that is almost equivalent to home insurance to protect your motorhome, provide liability protection, and cover your contents.

Would you like to get more information about motorhome insurance? Please get in touch with Southern Risk Associates. Besides, you can visit our Foley, AL offices to talk to one of our agents.