Alabama RV Insurance

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From the beachside campgrounds spanning Gulf Shores and Alabama’s coastline to the rolling hill oasis campgrounds in the Talladega National Forest, Alabama is full of incredible outdoor areas just waiting to be explored. And the best way to do so is in an RV.

While you need to insure your rig before hitting the open road, we’ve got you covered. We’ll break down everything you need to know, including how to get the best policy for your RV.

What Does Alabama RV Insurance Cover?

RV insurance in Alabama can cover a multitude of different perils that extend to your RV, other vehicles, property damage and injuries due to an accident. However, you must have the proper policy in place to ensure you’re getting those added benefits. Let’s take a look at the common types of coverage available for RV owners in the Palmetto State.

Bodily Injury Liability Coverage

Bodily injury liability is legally required for all RV insurance policies in Alabama. The state mandates drivers must enroll in coverage with at least $25,000 per person and $50,000 per accident. This coverage is designed to pay the medical bills of anyone who gets hurt if you caused an accident up to your policy’s maximum.

If the injured party or parties sue you, it can also help cover the legal fees associated with the lawsuits. Since RVs are large and can cause much more damage to individuals if involved in an accident, we suggest enrolling in more than the state’s minimum coverage amounts.

But bodily injury liability is only required for drivable RVs. Towable RVs like pop-up campers and 5th wheels piggyback off the auto insurance policy of the vehicle towing them, so they’ll have coverage while they’re on the road.

Property Damage Liability Coverage

Also legally required in all Alabama RV insurance policies, property damage liability covers damage you cause to someone else’s vehicle or property if you’re deemed to be at fault for an accident.

However, property damage liability is another facet that’s not required for any towable travel trailer because the auto policy of the vehicle towing it transfers over. So damage caused to other vehicles or property by drivers who back into them with their towable travel trailer will have coverage under the vehicle’s auto insurance.

Uninsured/Underinsured Motorist Coverage

Another legally required facet of RV insurance for all drivable rigs in Alabama is uninsured motorist bodily and property damage coverage. Alabama vehicles must maintain a minimum of $25,000 per person and $50,000 per accident of uninsured motorist bodily injury and $25,000 per person and $50,000 per accident of underinsured motorist bodily injury

This facet of your policy is extremely important because it’s designed to be utilized if you’re involved in an accident with another driver, the accident is deemed to be their fault and they either don’t have insurance or don’t have enough to cover the injuries to your passengers or damage to your RV. This can cover the difference of what their insurance pays for, or, if they’re uninsured, the entire cost of the damages.

Since RVs are quite expensive to repair, and many auto policies are vastly underinsured if they total an expensive RV, it’s wise to increase your coverage beyond the limits of Alabama’s required state minimum coverage amounts.

Collision Coverage

Whether an accident was your fault or not, collision coverage can kick in to pay for the damage to your rig up to your policy’s limits. It could also help supplement your policy’s uninsured motorist property damage coverage to help pay for all damages to your RV. This coverage is available, and highly recommended, for both drivable and towable RVs.

Comprehensive Coverage

Comprehensive coverage is designed to cover damages to your RV that are caused by instances that don’t involve another vehicle and are mostly out of your control. Coverage can kick in for things like vandalism or theft of your RV, damage due to a natural disaster like a flood or sandstorm. It can also cover other accidental incidents, such as driving away with your awning open and sideswiping it off your rig or hitting a low underpass and damaging your rig’s roof.

Medical Payments Coverage

Medical payments coverage is designed to pay for medical expenses due to injuries sustained to you or anyone in your RV if you’re involved in an accident — whether you’re at fault or not. It may only be available for drivable RVs since people really shouldn’t be riding in towed RVs, and anyone inside the vehicle towing an RV could already have coverage through an auto insurance policy.

Personal Effects Replacement Coverage

If you get into an accident and personal items (such as TVs, computers and clothes) you keep inside the RV are damaged, this coverage will typically reimburse you up to $5,000 to replace them. However, you may be able to add an endorsement to your policy to get up to $100,000 in coverage.

Total Loss Replacement Coverage

Total loss replacement coverage is designed solely for newer-model RVs. Depending on how old it is at the time of an accident that’s declared to total your rig, it can either replace your rig with a new one or reimburse you for the cost.

It typically goes as follows: totaled within the first four years, reimbursement for the original purchase price or replaced with a similar model; totaled in years five to seven, reimburses you either the price you paid or the actual cash value; and after seven years, it typically drops to only reimbursing you its actual cash value.

Roadside Assistance

Roadside assistance is typically only needed for drivable RVs since towable RVs don’t run into the same major mechanical issues. It’s an add-on that can help pay for 24-hour assistance needed on the road that covers things like delivering a new battery or gas, jumpstarting your engine or fixing a flat.

Towing & Labor

Only really needed for drivable rigs because towable RVs can already be towed by your vehicle, the towing & labor add-on can save you a significant amount of money if your rig breaks down in the middle of nowhere and it must be towed to the nearest shop — which could be hundreds of miles away.

Vacation Liability Coverage

This is an add-on to both drivable and towable RV insurance policies that’s designed to financially protect you if you accidentally cause damage to property or an injury to someone else while your RV is parked at a designated campsite. This coverage can exclude undeveloped campsites located on public lands.

Protect Your Rig With RV Insurance

Cruise more and stress less with an all-types custom RV insurance policy that keeps you on the road longer.

Is RV Insurance in Alabama Required?

All RV insurance policies for drivable rigs in Alabama are legally required to include bodily injury liability coverage ($25,000 per person, $50,000 per accident), property damage liability coverage ($25,000 per accident), uninsured motorist bodily injury coverage ($25,000 per person, $50,000 per accident) and underinsured motorist bodily injury coverage ($25,000 per person, $50,000 per accident).

Also, if you still owe money on a financed RV, whether it’s drivable or towable, your lender will likely require you to purchase RV insurance that includes collision and comprehensive coverage, which are considered full coverage.

What’s the Average Cost of RV Insurance in Alabama?

The average cost of RV insurance in Alabama differs greatly based on a variety of factors. It can cost anywhere from a few hundred dollars to a few thousand dollars per year, depending on the value of your rig, how much coverage you enroll in, your driving and claims history and how often you use it.

One thing is for certain: Alabama RV insurance for towable RVs will likely cost less than an equivalently sized drivable RV because it has fewer mechanical mechanisms to repair if you’re involved in an accident.

How to Get an Alabama RV Insurance Quote

Getting RV insurance is quick and easy when you use Clovered. All you need to do is enter a few details about your rig in our online quoting form and one of our licensed, in-house agents will find a policy that meets your needs and reach out.

Protect Your Rig With RV Insurance

Cruise more and stress less with an all-types custom RV insurance policy that keeps you on the road longer.

The editorial content on Clovered’s website is meant to be informational material and should not be considered legal advice.

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