Alabama Insurance Agency
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  • Join Our Team
  • One-Stop Shop for Insurance
  • Get a quote
  • Personal Insurance
    • Personal Auto Insurance
    • SR22 & SR22A Insurance
    • Homeowner Insurance
    • Condo Insurance
    • Renters Insurance
    • Mobile Home Insurance
    • Farm & Ranch Insurance
    • Home Warranty Appliances
    • Home Warranty Utility Lines
    • Vacant Property Insurance
    • Motorcycle Insurance
    • ATV Insurance
    • RV & Camper Insurance
    • Watercraft Insurance
    • Flood Insurance
  • Business Owners Insurance
    • Commercial Property Insurance
    • General Liability Insurance
    • Umbrella Liability Insurance
    • General Contractors Insurance
    • Builders Risk Insurance
    • Landlord Insurance
    • Artisan Insurance
    • Barber Shop Insurance
    • Hair Salon Insurance
    • Restaurant Insurance
    • Special Events Insurance
    • Surety Bonds
    • Workers Compensation
  • Commercial Vehicle Insurance
    • Dump Truck Insurance
    • Tractor Trailer Insurance
    • Motor Truck Cargo Insurance
    • Trailer Interchange Insurance
    • Tow Truck Insurance
    • Waste Haulers Insurance
  • Life Insurance
    • Final Expense Insurance
  • Make a Payment
  • Locations
  • Insurance Tips
  • Join Our Team
Alabama Insurance Agency
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Low Cost RV & Camper Insurance

Insurance Coverage Types for RVs and Campers
With so many types of recreational vehicles in existence, a single policy sometimes can't handle multiple types of recreational vehicles. But at the same time, not many people own multiple campers.
If you are able to afford to do so, you probably have bigger worries than being able to properly insure them. Recreational vehicles, also known as RVs, come in all shapes and sizes. Motorhomes, fifth wheels, popup campers, and travel trailers are some RV options. You may or may not require RV insurance depending on the type of RV you own.
The main difference in coverage requirements is simple. If you tow it, insurance is probably optional, and if it’s self-contained. You can get it from point A to point B without the help of another vehicle, which means you will probably be required to purchase insurance coverage. Put another way, any vehicle you drive on the road is required to be insured, and that includes motorhomes. You will be required to have minimum liability for your state in order to legally drive on the road. More coverage is available and optional unless required by a lender. 

How to Determine If You Need RV Insurance on a Camper
Since campers are towed behind a vehicle and not driven by themselves, RV insurance is optional according to most states’ laws. Only a lender can require full coverage to be carried in order to secure its interest, so if you took out a loan to purchase your RV, you can bet that you’ll probably be required to have full coverage.
Coverage Types for RVs and Campers
Here are the different types of coverages for RVs and campers.
RVs 
  • Bodily Injury & Property Damage Liability
  • Uninsured Motorist
  • Personal Injury Protection (PIP)
  • Limited Property Damage
  • Property Protection
  • Comprehensive
  • Collision
Campers
  • Comprehensive
  • Collision
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​Specialized Coverage Types for RVs and Campers
Aside from the standard set of coverage on RV policies, companies often offer specialized coverage. Specialized coverage can come in handy at the time of loss.

​What you may not think of prior to a claim is your custom equipment and personal effects that can be costly if you do not have the coverage included in your RV policy.
Most companies offer specialized coverage on both RV motorhomes and campers:
  • Total Loss Replacement
  • Custom Equipment
  • Vacation Liability
  • Roadside Assistance
  • Mechanical or electrical breakdown
  • Battery failure
  • Flat tire
  • Lock-out
  • Insufficient supply of fuel oil, water, or other fluids
  • Entrapment in snow, mud, water, or sand within 100 feet of the roadway
  • Personal Effects
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JOIN OUR TEAM
Alabama Insurance Agency, Inc. and ALASTAR Insurance Agency, LLC has perfected the agency/owner model of managing and operating an Independent Insurance Agency,  Our agents focus on the client relationships, building a sales force, and operating a profitable agency in which they have an ownership interest. 

WANT TO OPEN YOUR OWN LOCATION?
​Our turn-key operation is a one of a kind in the industry. We offer high commissions and renewal payout rates, as well as access to more than 50 competitive insurance companies.
Want to know more?


Gene Ruggerio, President, and Allen Vest, Vice-President, invite you to schedule your own virtual/phone consultation in learning more concerning: how/what/when and most importantly why you should make the switch to being an independent agent today. Contact them at (205) 776-1680.