Georgia RV Insurance

But before you hit the road, there are some crucial things to know about RV insurance in Georgia. Let’s take a look at the coverages, state minimums and much more.

Just because the state requires the four coverages we just talked about, that doesn’t mean these are the only coverages available — or even the only ones that will suffice.

Since RVs are large, expensive and can cause and sustain a significant amount of damage in an accident, we highly recommend investing in full coverage instead of simply liability — and maintaining it after your rig is paid in full.

Bodily injury liability is legally required for all RV insurance policies in Georgia. It’s designed to pay the medical bills (up to your policy’s maximum) of anyone who gets hurt if you cause an accident.

It can also kick in if the injured party or parties sue you by helping to 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.

This covers damage you cause to someone else’s vehicle or property if you’re at fault in an accident. This coverage is also only required for drivable RVs because your standard auto insurance transfers to towable travel trailers.

All vehicles in Georgia, including drivable RVs, must maintain a minimum of $25,000 per person and $50,000 per accident of uninsured motorist bodily injury coverage and $25,000 per accident of uninsured motorist property damage coverage.

This can help cover damage to your rig and injuries to people inside it if you’re involved in an accident with a driver who’s at fault and doesn’t have auto insurance. Many auto policies are greatly underinsured to pay for damages to RVs since they’re quite expensive to repair, especially if your rig is deemed to be totaled by your insurer.

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 is also available for both drivable and towable RVs, protecting them against things that are deemed to be out of your control.

It especially comes in handy when you sustain damage to your RV’s roof or awning caused by incidents like a windstorm or flood. It may also cover things like water leaks due to hitting an overpass and vandalism or theft of your RV.

Medical payments coverage helps pay for medical expenses due to injuries sustained to you or anyone in your RV after an accident — whether you’re at fault or not.

RVers travel with more personal belongings than a daily commuter, so personal effects replacement coverage was designed to keep those possessions safe. It can help pay to repair or replace damaged or destroyed belongings that aren’t directly built into your rig, such as clothing, bicycles and electronics.

Many policy’s cap coverage at $5,000 per claim, but you may be able to enroll in up to $100,000 in coverage by adding an endorsement to your policy. This endorsement can become extremely valuable for those full-time RVers (qualifying as spending more than 150 nights per year in your RV) who have more possessions onboard.

Total loss replacement coverage can help cover newer RVs if they’re deemed by your insurer to be totaled. designed solely for newer-model RVs.

An RV insurance company typically has payouts in place that represent reimbursement for the original purchase price or replaced with a similar model if totaled within the first four years, reimbursement of either the price you paid or the actual cash value if totaled in years five to seven, and reimbursement of the actual cash value it totaled after seven years.

This coverage can help pay for 24-hour assistance needed on the road, such as fixing a flat, delivering a new battery or gas or jumpstarting your engine. This can be utilized for things like jumpstarting your rig, delivering gas if you miscalculated your mileage to the nearest gas station or simply fixing a flat tire.

If you break down in Georgia’s mountain country or Georgia’s swamp country, towing and labor coverage can pay to tow your rig to the nearest mechanic. It can also cover some labor costs associated with the breakdown.

Vacation liability coverage can be added to both drivable and towable RV insurance policies. It can 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, but it usually excludes undeveloped campsites located on public lands.

If you own a drivable RV in Georgia, then certain RV insurance coverages are legally required by your state. Georgia’s minimum state requirements are $25,000 per person and $50,000 per accident of bodily injury liability, $25,000 per accident of property damage liability, $25,000 per person and $50,000 per accident of uninsured motorist bodily injury coverage and $25,000 per accident of uninsured motorist property damage coverage.

However, towable travel trailers (like 5th wheels, pop-up campers and truck bed campers) are exempt from this law because they receive liability coverage from the auto insurance policy of the vehicle towing them. But that coverage only applies while they’re connected to the vehicle. The moment a travel trailer is disconnected, the coverage discontinues.

However, if you borrowed money to buy your RV and you still owe money to your lender, they can require you to purchase and maintain RV insurance until the loan is paid in full — for both drivable and towable RVs.

The average cost of RV insurance in Georgia is widely varied, but it can cost from a few hundred dollars to a few thousand dollars a year. The price you pay greatly depends on whether your RV is drivable or towable, how much coverage you enroll in, the replacement cost of your rig, how often you use it and many other factors also used to determine auto rates.

With Clovered’s easy-to-use online RV insurance quoting form, getting a Georgia RV insurance policy is simpler and quicker than ever. All you need to do is fill in a few details about your rig and one of our licensed agents will pair you with a policy that suits your specific needs.