If you’re an RV owner in Alabama, you’re more likely to be required to carry RV insurance if your RV has a motor. How much coverage you’re required to carry may vary based on different factors. However, as an RV owner/operator, you’ll at least need to carry liability insurance. The Will Wright Agency Inc. of Decatur, AL takes pride in providing RV coverage to Alabama residents. Alabama residents can also purchase additional coverage beyond liability if needed. 

Basic RV Insurance Requirements

Alabama, like most states, requires RV owners/operators to carry liability insurance if they own/operate an RV with a motor. Liability coverage covers collisions and damage to other vehicles and RVs. If you cause damage to another vehicle or RV, liability covers the repair, maintenance, or replacement of someone else’s RV or vehicle.

RV Collision Insurance

Collisions insurance covers damage to your RV regardless of who’s at fault. This specific kind of insurance includes coverage of RV and motorhome rollovers. Collision insurance pays for damage to your RV or motorhome if you’re in an accident with another vehicle. RV owners who finance or lease their RV may be required to carry collision insurance as well.

Who Needs Full-time RV insurance cover?

Full-time RV insurance is for. RV/motorhome owners who invest in this type of insurance typically live in a motorhome or travel trailer for more than six months a year. This type of coverage provides RV owners with more liability protection and can include other types of coverage to suit their specific needs.

Coverage for an RV You Drive

If you own or operate an RV with a motor you’ll need at least liability coverage. However, more coverage may be needed if you lease or finance your RV. Often, lenders require RV owners to carry collision insurance as well if they are leasing or financing their RV. We’re here to answer any questions you may have regarding RV insurance, give the Will Wright Agency Inc. of Decatur, AL an opportunity to answer your questions and meet your needs.  

You have purchased an RV, a recreational vehicle of your very own, and cannot wait to load up the family and hit the road but first, you should ensure that you and your investment are protected. The best way to do this is by obtaining an RV insurance policy. To do this, you will need to contact a trusted insurance agent like the agents at Will Wright Agency Inc. in Decatur, AL.

Liability Insurance Required

According to Alabama law, all motorized vehicles on the road have to be insured with at least a liability insurance policy. This type of policy will cover any damages or injuries you cause if you have an accident that is determined to be your fault. This includes RVs.

An additional policy you can obtain that corresponds with a liability policy is an uninsured and underinsured motorist policy. This will cover you, your passengers, and your RV if you are involved in an accident with someone who has no insurance at all or very little insurance.

Comprehensive Insurance Coverage

If you borrowed the money to purchase your RV, you may be required to have comprehensive insurance in place. This will replace or repair your RV if it is damaged or destroyed by a natural disaster, a fire, theft, or vandalism.

Collision Insurance Coverage

If you have an accident and your RV is damaged by another vehicle or object, collision insurance will cover the repairs or replacement.

To protect your RV properly, you should seek the assistance of an insurance agent who is experienced with this type of insurance coverage. The agents at the Will Wright Agency Inc. in Decatur, AL have the experience and knowledge with RV insurance to create a policy that will protect your investment and provide you with peace of mind.

You are probably wondering whether your trailer will be covered by the RV insurance if it is damaged while on vacation. Well, it will. Rv insurance ensures that you can enjoy your family vacation without worrying about possible costs you would incur in case of an accident. At Will Wright Agency Inc. in Decatur, we will offer you a customized package based on your needs that ensures that you not only have peace of mind but that nothing should stop you and your loved ones from having a good time. Here is what you need about RV insurance

What is RV insurance?

RV insurance is a policy agreement between you and the insurance company to protect your travel trailer or fifth wheel or camper against accidents or damages caused on other people’s property. A standard RV policy covers

• Body and property damage
• Personal injury protection
• property protection
• collision and comprehensive covers

Be sure to speak to our agents at Will Wright Agency Inc. in Decatur, AL, for specialized RV coverage. This comes in handy if you would prefer a total loss replacement or where your trailer or camper has customized equipment.

Benefits of RV insurance

• Passenger protection

An RV insurance policy protects your passengers with the liability coverage extending to accidents occurring with your trailer or surrounding property. While on vacation, this will include rented lots or campsites.

• Freedom and security

Whether you are taking your family for a short getaway or taking them for a deserved road trip, the RV insurance cover will have your back anytime you are on the road.

• Safeguards your possession

Please speak to our agents at Will Wright Agency Inc. about essential valuables in your trailer or camper when taking an RV policy. This will ensure that these items are fully covered in case of an accident.

Are you thinking about taking that family trip? Feel free to speak to our Will Wright Agency Inc. agents in Decatur, AL, who will guide you on a suitable RV policy suitable for your family vacation.

So finally you have bought the RV that you had been dreaming about for years. Now, it is time to purchase proper RV insurance. Whether you are planning to live in the RV full-time or use it only for your weekend camping trips, camper insurance is a must-have. Will Wright Agency Inc. in Decatur, AL has prepared the list of things to consider when shopping for RV insurance. 

Type of Coverage

There are two types of coverages available for RV owners – full-time and part-time. If you are planning to live in your recreational vehicle and turn it into your home, then you need to get full-time coverage. Part-time or recreational coverage is an option for those who are planning to use their RV occasionally. 

Optional Coverage

In addition to standard RV insurance coverage that protects you from collisions, covers medical bills, and damage of your personal belongings, there is also optional coverage that is worth considering. The most common optional coverage types include the full replacement cost of your RV, roadside assistance, pet injury, emergency expenses, and others. Optional coverage is a tremendous and necessary option for those who use their RVs full-time. 

Insurance Costs

RV Insurance could be quite expensive. To get a better deal on RV insurance, it is recommended to compare quotes from several different insurance companies. Once you found a good policy, do not forget to discuss it with an insurance agent to know exactly what the policy covers, along with any additional costs required. 

If you are shopping for your RV insurance and need more information, contact Will Wright Agency Inc. in Decatur, AL to find the most appropriate quote for your vehicle. Our highly qualified and experienced specialists are ready to guide you in choosing the best coverage suiting your specific needs and budget. 

RV road trips are a great way to explore the state of Alabama and surrounding areas. Advanced planning is the key to safe, enjoyable RV travels. The following tips from Will Wright Agency Inc. in Decatur, AL can help make your trip a safe, stress-free experience.

Inspect Your RV

Before hitting the road, take time to inspect your RV inside and out to make sure it’s road-ready. Follow a checklist to ensure you don’t forget any aspect of your inspection. Check the hitch, tires, awnings, latches, HVAC system, tanks, and interior and exterior lights. As an extra precaution, have your RV checked out by a trustworthy mechanic to ensure everything is in good working order.

Make Reservations in Advance

Reserve your campgrounds in advance and confirm them several hours before you arrive. Make a list of alternative campgrounds in the area in case your primary choice doesn’t work out. If, for any reason, you can’t keep your reservation, call to cancel so someone else can take your spot.

Map Your Route & Check Road Conditions in Advance

Map your route and check road conditions online to avoid problems with road construction or closures. At the same time, keep track of weather conditions in the areas you’ll be traveling to avoid inclement weather as much as possible when on the road. Take time to enjoy your trip and drive with care to prevent accidents. For a safer, stress-free road trip experience, make safety a priority. 

Review RV Insurance 

Make sure you have the insurance protection you need for your travels. Review your RV insurance policy and update coverage you may be lacking, so you’re not caught unprepared in the event of an accident.

For quality RV insurance at affordable costs in Alabama and Tennessee, contact Will Wright Agency Inc. in Decatur, AL.