If you own a recreational vehicle, you probably have questions about RV insurance. There are a few different insurance options at your disposal, depending on the type of vehicle, how often it’s driven, and many other factors. This guide explains the different types of coverage that are available and how to find the right policy for your needs.

When RV Insurance Is Required

Some RV’s are similar to trailers. These expandable living quarters can be attached to your primary vehicle and towed wherever you please. Other types of RVs have their own motors, which allows them to be driven without the aid of another vehicle. This distinction is crucial to insurance coverage.

If your RV has its own motor, it must be insured according to Alabama’s auto insurance laws. All motorists must meet minimum insurance requirements, which includes $25,000 or $50,000 bodily injury coverage per person or accident as well as $25,000 in property damage coverage per accident. Keep in mind that basic coverage protects you against liability but does not extend to your vehicle or any injuries you sustain in an accident.

Optional Coverage to Consider

Comprehensive and collision coverage expands protections to other situations. For example, comprehensive coverage protects your vehicle from things like fire, theft, vandalism, and many other types of non-collision damage. Collision insurance covers an accident, regardless of who is at fault. You might also consider uninsured or underinsured motorist insurance if the other driver lacks sufficient insurance.

If you only use your RV for part of the year, storage coverage allows you some protection without the need for the liability portion. In this case, certain types of damage that can occur during storage would be covered, and your personal belongings would remain protected. This can help you save money on insurance costs when you’re not driving the vehicle.

Finding an insurance agent to work with you on locating the best policy for your needs is an absolute must. In Dothan, AL, Aaron Insurance Agency uses its strong relationships with insurance carriers to secure affordable RV insurance to offer the protection you demand. This auto insurance company can also help high-risk drivers get back on the road as well as helping their clients find ways to reduce coverage costs. Schedule a consultation today by calling (334) 712-0777. If you’d like to get started on your auto quote, feel free to visit the website.