RV insurance shares elements with both auto and home insurance. One significant point to consider is that not all RV insurance policies provide the same coverage, notably concerning storm damage handling. Because of these differences, RV owners should carefully assess their coverage options and discuss the best policy for their needs with their insurance agent. If you are in the Decatur, AL, area, the Will Wright Agency Inc. team is prepared to answer your RV insurance queries and ensure you have the coverage that best suits you.
RV Insurance and Storm Damage
Alabama State law mandates all motorized RVs to carry the same minimum insurance coverage as other motor vehicles. The minimum liability coverage includes:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property per accident
Similar to auto insurance, liability insurance covers injuries and damages to third parties; it does not cover your vehicle. Collision insurance, similar to that for an automobile, covers damages to your RV resulting from an accident.
RV owners requiring coverage against non-collision damage need a comprehensive policy. Such a policy typically covers damage from:
- Falling branches and trees
- Hail and wind
- Vandalism
- Bursting or problematic plumbing
Comprehensive policies occasionally include flood damage. If not, a separate flood policy can be purchased. Some RV insurance also includes aspects resembling home insurance, like personal property protection and coverage of the RV’s surrounding common area.
Although RV insurance may seem complex, an experienced agent will help you understand and ensure you obtain the right policy.
Trusting Will Wright Agency Inc.
The friendly team at Will Wright Agency Inc., serving Decatur, AL, is ready to address your RV or other insurance requirements. Please call (256) 353-5537 or visit us in person today for the necessary coverage.
