Recreational vehicles in Foley, AL can be the best way to vacation. If you plan to take your RV on the road, you need to make sure that you have the right insurance coverage. This will help protect your valuable investment and cover you for any injuries or damage you cause.
The kind of insurance you need to have for your recreational vehicle depends on the RV type. If your RV has a motor and you are driving it, then you will need insurance. It would be best if you had liability insurance that covers any injuries or damages you cause. If your RV is a towable trailer and you hook it up to your truck or car, then your liability insurance from your regular auto insurance policy extends to the trailer. Other types of coverage, such as collision or comprehensive coverage, might not extend to the towed RV, so you want to make sure that you get specific RV insurance. You might be required to have RV insurance if you bought the RV with a loan.
RV insurance will come with similar coverage as your car insurance. Liability coverage will cover you for injuries and damages you cause. Comprehensive coverage protects your RV from damages caused when it wasn’t involved in an accident, such as extreme weather, fire, or vandalism. Collision coverage pays for damages from an accident, no matter who caused the accident. Uninsured motorist coverage protects you if you are involved in an accident with a driver who doesn’t have insurance. Make sure you speak with an agent at Southern Risk Associates to see what your policy covers. You can also add on other options, such as vacation liability. This gives you some additional liability coverage when you are using your RV as a vacation home. If your RV is a full-time permanent home, you may want additional coverage to cover personal belongings.
Contact Southern Risk Associates in Foley, AL to get a quote on RV insurance.