About Insurance for Full-Time RV Residents

RVs have become popular with Fort Payne, AL residents, who prefer the freedom to come and go at their leisure and bring their homes along with them. Whether you reside in a state park year-round, park your RV on your property, or take it on the highways to enjoy endless adventures, having appropriate insurance is necessary. With help from our Attain Insurance team, we will ensure your RV is covered from top to bottom.

Do I Need RV Insurance in Alabama?

Whether you need RV insurance in Alabama depends on the type you have. The state requires liability insurance for motor-powered RVs. Liability insurance helps pay when an accident occurs, causing property damage and injuries.

RV insurance also covers the RV’s value, including theft, vandalism, collision, and physical damage.

If your full-time RV residence is mobile, you will want bodily injury (BI) liability, which covers injuries caused to others when driving your RV. Property damage liability (PD) covers property or vehicle damage sustained by you while you are behind the wheel of your RV.

If you have a camper van, these recreational vehicles also require coverage.

Optional insurance includes comprehensive and collision coverage for RV owners who own recreational vehicles. Even if you own an RV without a loan attached, it is recommended that you get coverage.

Recreational Vehicles That Do Not Require Insurance

Non-motorized RVs do not require separate insurance. These include towable vehicles, such as a fifth wheel, camper, or travel trailer. You are required to have auto liability insurance for the vehicle towing the trailer, but note the auto insurance does not cover the travel trailer. Ask us about coverage options to keep your travel trailer protected.

Give Us a Call

Whether you live in Fort Payne, AL or nearby, our agents at Attain Insurance have you and your RV covered.