RV Insurance in Alabama

RVs are the perfect way to enjoy road trips and different sceneries. However, purchasing an insurance policy is the best way to protect your investment and provide peace of mind. We offer RV insurance here at Russ Richardson Agency in Birmingham, AL. We offer various coverage options that range from liability to comprehensive and collision.

RV Insurance Requirements

RV insurance is legally required in the state of Alabama. Liability coverage is required. The following minimum requirements for liability insurance are:

• Bodily injury for each person for $25,000
• Bodily injury for each accident for $50,000
• Property damage for each accident for $25,000

If you have a pulled RV, utility trailer, pop-up RV, or travel RV, you are not required to meet these coverage minimums.

Bodily injury and property damage coverage will cover the expenses for another person if you cause damage or bodily injury to them.

RV Insurance Coverage

Here are additional RV insurance coverage options you can choose from:

• Comprehensive- This protects you from repair expenses if your RV becomes damaged from theft, fire, vandalism, glass breakage, or severe weather. Even if you are not operating your vehicle, this will protect you.
• Collision- If you get into an accident with another vehicle or have a collision with an object, this will cover damage sustained to your RV.
• Medical payments- If another person injures themselves while in your RV, this will cover that person’s medical expenses.
• Loss assessment- This will cover repair expenses if your RV is damaged while it is parked.
• Total loss replacement- If your RV is totaled, this will provide coverage if your RV is less than five years old.
• Roadside assistance- This will cover towing fees associated with towing your RV to a repair shop if it becomes inoperable while driving it.

Quotes

To obtain a quote for RV insurance, give us a call here at Russ Richardson Agency. We are located in Birmingham, AL.