If you own a recreational vehicle but don't have insurance, you're taking a big risk since RV insurance is inexpensive and easy to get. Whether your RV is a motorhome, fifth-wheel camper, travel trailer, toy hauler, or any other kind of recreational vehicle, you should protect your investment by getting it insured.

What is RV insurance?

RV insurance is protection against excessive expenses related to the damage or loss of your recreational vehicle. It can protect you in the event of an accident that causes injury or damage, even if you were the one at fault.

Why should you have RV insurance?

While normal car insurance can insure your RV like a standard car, your recreational vehicle is different and requires a different kind of insurance. Unlike a regular vehicle, your RV may have a kitchen, bathroom, eating area. It may also have many specialized pieces of equipment, including a satellite dish or an attached canopy. RV insurance can insure these types of items where auto insurance typically wouldn't.

What does it cover?

These insurance policies have liability coverage and can include comprehensive and collision coverage. Depending on your specific policy, you can get coverage for accessories and pieces of equipment that are attached to your RV. There’s also coverage for towing, roadside assistance, and other expenses that may occur in an emergency. 

How do you file an RV claim?

Filing a claim for RV insurance is the same as filing an auto insurance claim. Contact the insurance company, and they will walk you through the process. If you’re the one who is at fault in an accident involving another driver, the other party will be the one to file a claim through your insurance company.

How much RV insurance should you have?

You should have enough RV insurance to cover the total loss of your RV and everything inside. Having high-dollar comprehensive and collision coverage is advisable, especially if it's a large vehicle that can cause a lot of damage. Minimum insurance requirements vary by state and by the type of recreational vehicle that you own, so check with your agent to see what would be the best fit for you.

If you need RV insurance, contact Tim Bryan Insurance in Andalusia, AL. Tim is a State Farm agent and member of the local chamber of commerce who is dedicated to finding comprehensive insurance coverage to residents and businesses in Covington County. Call (334) 222-1460 to get a quote or visit their website for more information.