Will a Regular RV Insurance Policy Cover International Travel?

The summer months are ideal for traveling abroad in an RV. However, residents of Decatur, AL who want to travel by RV should ensure they have the right type of insurance for their trip.

Does Alabama RV Insurance Cover Foreign Travel?

An Alabama RV insurance policy will not cover travel to Mexico, Canada, or any other foreign country. Thankfully, RV insurance policies for foreign travel will offer as much protection as you need. Coverage options include unexpected delays, emergency medical evacuation, and driveway-to-driveway insurance. 

What Types of RV Insurance Do You Need to Travel Abroad?

If you travel to Mexico, you’ll need temporary RV insurance. Good forms of coverage to purchase include roadside assistance, theft coverage for up to $200,000, and legal/financial protection coverage with liability limits of up to $1 million. 

If you drive your RV to Canada, you’ll need to purchase a liability insurance policy that provides at least $50,000 in liability insurance. However, bear in mind that this is only the bare minimum required by law. Ideally, you’ll want at least $1 million in liability coverage if you travel around Quebec and $2 million if you visit other parts of Canada.  

Get Help from the Will Wright Agency Inc.

Purchasing the right RV insurance policy for international travel isn’t just a legal requirement. It’s also a smart move to save you a lot of time, hassle, and problems. You may also want to add travel insurance to your purchase simultaneously, as it covers a host of incidents that aren’t covered by an RV insurance policy. Will Wright Agency Inc. experts have many years of experience offering insurance-related advice and assistance to Decatur, AL residents, and we look forward to helping you purchase the best forms of coverage for an upcoming trip. 

Five Unexpected Perks of RV Insurance in Decatur, AL

Seasoned RV enthusiasts know that RV insurance is a must-have to protect your camper, fifth wheel, or pull-behind trailer in case of accidents. Not only does comprehensive RV insurance provide RV owners with peace of mind, but a few perks go along with having insurance to protect your rolling home. 

Five Unexpected Perks of RV Insurance in Decatur, AL

Perk #1. – Emergency Roadside Assistance

Nothing is worse than being stranded on the side of the road in your RV with a flat tire, lockout, or needing a tow. RV insurance policies with emergency roadside assistance can help get you back on the road faster. 

Perk #2. – Coverage for Your Personal Belongings

RV owners worried about taking their favorite devices like computers, tablets, TVs, and jewelry to get peace of mind when they have an RV insurance policy that offers comprehensive coverage for their personal belongings. 

Perk #3. – Campsite Liability Protection

Camping at America’s most famous campsites is part of the RV experience. A licensed insurance agent at Will Wright Agency Inc. can help add campsite liability coverage to protect campers from legal liability claims and accidents that happen at campsites. 

Perk #4. – Get Coverage for Full-Timers

More land lovers are taking the plunge and moving into their rolling homes full-time. Many RV insurance policies have specialized coverage options available for full-time RVers. 

Perk #5. – Safe Driver and Other Discounts

Along with safe driver discounts, insurance agents can talk to you about RV discounts that become available when you combine your RV insurance policy with your home, auto, or commercial insurance policy.

Contact a knowledgeable Will Wright Agency Inc. agent to learn which discounts you qualify for and get an RV insurance quote!

Does RV Insurance Cover Damage to My Main Vehicle?

Frequently, those who have purchased an RV in Decatur, AL, have misconceptions about what their RV insurance policy will cover. Policy wording can seem vague to the average person, especially when language like a "covered incident" is used. Will Wright Agency Inc. agents can help you understand what coverages you need to keep your RV and primary vehicle safe.

My Car Sustained Damage While Being Towed by My RV

This scenario happens too frequently. You’re driving on the highway in your RV, towing your car behind. You get in an accident, and both the RV and car sustain damage, even though the RV was initially hit. Your RV insurance will pay for it, right? Not necessarily. Some RV insurance policies will not pay for your towed primary vehicle. Instead, your primary auto insurance policy will have to pay. You’ll want to ensure you have sufficient coverage on your auto insurance policy to cover damage just in case your RV policy won’t cover it.

What do I Need When Towing an RV?

If you have a fifth wheel or another towable trailer or RV, those vehicles don’t need separate RV insurance in many instances. However, you should have liability insurance on your primary automobile insurance policy. If you become involved in an accident while towing a trailer or a fifth wheel, your automobile policy will cover damage to both the RV and your primary vehicle. If you disconnect the RV from your truck and the RV sustains damage, your automobile policy won’t cover it.

Understanding Your RV Insurance Choices

The safe route is to ensure that you have sufficient coverage for the RV and your primary vehicle. Schedule an appointment with Will Wright Agency Inc., serving Decatur, AL, to learn what coverage is necessary.

Tips for taking your RV on a road trip

With the summer season in full swing here in the Decatur, AL area, many of us use our recreational vehicles (RV) for road trips. Taking an RV on a road trip can be a great way to experience the outdoors comfortably and conveniently. Here are some tips from us at Will Wright Agency Inc. to help make your RV road trip as fun and stress-free as possible: 

1. Plan ahead: Before hitting the open road, research the places you plan to visit. Check out local attractions, campgrounds, and other points of interest along your route so you’ll have plenty of activities lined up during the trip. 

2. Stock up: Be sure to bring enough food, supplies, and personal items to last the duration of the trip. Make sure to get any spare parts you may need for any potential mechanical issues you may encounter. 

3. Get organized: Keeping all your belongings organized will help ensure everything is kept in its place and easy to find when needed. Store heavy items close to the floor and secure them to remain stable during transit. 

4. Bring entertainment: Make sure that everyone has something to keep them occupied during long stretches on the road, such as books, movies, board games, cards, etc. Also, ensure everyone has a comfortable place to rest or sleep if needed. 

These tips will help make your RV road trip as stress-free and enjoyable as possible! So don’t forget to plan ahead, stock up, get organized, and bring entertainment items for long stretches on the road! Enjoy your travels! For more tips, call us at Will Wright Agency Inc. today. We serve the Decatur, AL area.

How to prepare your RV for winter

Once you’ve identified the winterizing needs of your RV, it’s time to begin preparations. We love RVs at WIll Wright Agency Inc. and recommend everyone in the Decatur, AL area follow these helpful tips.

Tips for your RV this Winter

Start by draining all water tanks and lines and flushing any remaining moisture. Next, disconnect all electrical cords and power sources from your RV and store them securely for safekeeping. Once complete, cover up the batteries with a battery blanket or tarp to keep them insulated against cold temperatures. Additionally, ensure your RV is equipped with a proper antifreeze solution to protect any plumbing fixtures and pipes from freezing over.

When storing your RV during winter months, please place it in an area that offers plenty of coverage from snow and direct sunlight. To further protect against the elements, apply a coat of wax to the exterior and seal any windows and entrances with a weather-resistant sealant. Finally, inspect all areas of your RV for any potential signs of damage or wear that may have occurred during the summer months. Repairing any necessary items before storing them will ensure you’re ready to hit the road again when winter is over!

Following these steps will help ensure that your RV is adequately prepared for winter and will remain in excellent condition until spring arrives. And with a little bit of preparation, you can guarantee that your next camping trip in the cold winter months will be enjoyable and stress-free! So don’t wait another minute–get out there and start preparing your RV for winter today!

For more tips, call us at Will Wright Agency Inc. today! We proudly serve Alabama and Tennessee. Happy travels!

Updating Your RV Insurance After Updating Your RV

This blog from Will Wright Agency Inc. covers why you need to update your coverage after adding solar panels, installing new appliances, or renovating your RV. Whether your RV gets parked full-time in Decatur, AL, or you often road trip, you need to keep your insurance current.

That does not just mean keeping your RV policy paid up; it also means that you cover the appropriate items you store in it and its overall condition. That’s why, when you renovate or add to your RV, you need to contact us at Will Wright Agency Inc. to update your policy.

Let’s say you update all of the appliances in your RV. That means you install a new refrigerator/freezer, air conditioner, heater, microwave, oven/stove, and added a Keurig coffee maker. Your insurance policy covered the RV as you purchased it. Your insurance agent based your coverage on those appliances. Your updates made your RV worth more money, but your policy covers the original value.

Adding solar panels to your RV’s roof so you can stop using propane and have electricity when not parked and plugged into an outlet also increases the value of your RV. A solar-powered recreational vehicle requires an insurance update.

Let’s say you purchased an older RV, then rehabbed it, much like a house flipper would. You bought insurance when you purchased the RV, but now its value went up. What you purchased for  $5,000 now has a value of $15,000. That means you need to update the insurance on it.

Contact Us

Contact Will Wright Agency Inc., serving Decatur, AL, for more information. Meet with one of our agents to update your RV policy today.

What You Need to Know Before Buying RV Insurance

There’s nothing quite like hitting the open road in an RV. The freedom to explore new places, set up camp whenever and wherever you please, and spend quality time with family and friends – it’s no wonder that RVing is one of America’s favorite pastimes. However, before you head out on your next adventure, there’s one vital thing to take care of: insurance. But what kind of insurance do you need for your RV? Here’s what you need to know before buying RV insurance.

What Does RV Insurance Cover?

What is covered by your RV insurance will depend on the type of policy you purchase. Some of the common coverages included in most RV insurance policies are:

  • Collision Coverage: This coverage will help to repair or replace your RV if it is damaged in an accident.
  • Comprehensive Coverage: This coverage will help to repair or replace your RV if it is damaged by something other than an accident, such as a fire, theft, or vandalism.
  • Medical Payments Coverage: This coverage will help to pay for medical expenses if you or your passengers are injured in an accident.

How Much Does RV Insurance Cost?

The cost of RV insurance varies depending on the value of your RV, the coverages you choose, the amount of liability coverage you need, and other factors. However, you can expect to pay anywhere from a few hundred to a few thousand dollars per year for RV insurance.

What Are Some Things to Consider When Buying RV Insurance?

When you’re shopping for RV insurance, consider the value of your RV, how often you’ll be using it, where you’ll be taking it, and what type of coverage you need. It would be best if you also considered the deductibles for each coverage and the limits of liability. By keeping these things in mind, you can be sure to get the right RV insurance for your needs and budget.

Will Wright Agency Inc. in Decatur, AL, offers a variety of insurance policies to make sure you and your family are safe on the open road. Get in touch with us today to learn more about our RV insurance options.

RV Insurance: Frequently Asked Questions and Answers

RVs can make life a little more fun, but they are susceptible to damage caused by a number of events. With that being said, if you own an RV in Decatur, AL, it is imperative that you seek out the help of our agents at Will Wright Agency Inc. to protect your investment with an RV insurance policy. Here are a few questions that new RV owners often have regarding coverage for their recreational vehicle.

How Much Insurance Is Necessary?

Similar to auto insurance, RV insurance is required for any registered RV that is driven on the road in terms of minimum liability coverage. However, due to the fact that this type of recreational vehicle is so large and can cause serious damage in the event of an accident, it is often recommended to seek full coverage or at least extend your policy’s liability limits to ensure you are properly covered. Our agents can help you determine how much coverage you need based on the use of your RV and individual situation.

Is Comprehensive and/or Collision Coverage Needed?

Although this type of insurance coverage is not required for your RV, unless you are financing it, you may still want to consider it. These coverage options will offer enhanced protection against a number of events, such as inclement weather, natural disasters, theft, and property damage that occurs during an at-fault accident.

Should RV Insurance Be Canceled in the Winter?

Many RV owners think that canceling their policy throughout the winter months when their recreational vehicle will not be used is a great way to save money. However, with the lack of insurance coverage, you could lose your registration. In addition, you are putting yourself at financial risk if your RV suffers damage during this period of non-coverage. Therefore, it may be a better idea to simply reduce your coverage. We can help you determine what is best.

If you have more questions about RV insurance in Decatur, AL, the team at Will Wright Agency Inc. is standing by to assist you.

What Does RV insurance Cover?

There are many different types of RVs and campers out on the roadways but they all have one thing in common, they need to be insured.

According to the trusted and experienced staff at Will Wright Agency Inc. in Decatur, AL, RV insurance needs to be in place for all types of motor homes, folding camping trailers, 5th wheel trailers, conventional camping trailers, and even mounted truck campers.

Liability Insurance

Liability insurance coverage will help protect you and anyone else who drives your motorhome if an accident occurs and it is your fault. This coverage will pay expenses for anyone that is injured in the crash as well as property damage and other expenses. You may also want to consider an uninsured and underinsured motorist policy to protect you and your investment in your RV in the event you are involved in an accident that is caused by a person who has no insurance at all or not enough insurance to cover the amount of the damages and medical bills incurred from the crash.

Comprehensive Coverage

Comprehensive RV insurance coverage will repair or replace your camper or motor home if it is damaged by a falling object, a natural disaster,  an act of vandalism, theft, or if a fire occurs. This type of policy will also help you to replace your RV or camper if it is stolen.

Collision Coverage

Collision coverage protects you against the loss or any damage to your RV that is caused by a collision with another vehicle or even a stationary object of some sort.

To obtain a quote and create an RV insurance policy that works well for you and your situation, call the Will Wright Agency Inc. in Decatur, AL today.

What does RV insurance cover?

If you’re an RV owner in Alabama, you’re more likely to be required to carry RV insurance if your RV has a motor. How much coverage you’re required to carry may vary based on different factors. However, as an RV owner/operator, you’ll at least need to carry liability insurance. The Will Wright Agency Inc. of Decatur, AL takes pride in providing RV coverage to Alabama residents. Alabama residents can also purchase additional coverage beyond liability if needed. 

Basic RV Insurance Requirements

Alabama, like most states, requires RV owners/operators to carry liability insurance if they own/operate an RV with a motor. Liability coverage covers collisions and damage to other vehicles and RVs. If you cause damage to another vehicle or RV, liability covers the repair, maintenance, or replacement of someone else’s RV or vehicle.

RV Collision Insurance

Collisions insurance covers damage to your RV regardless of who’s at fault. This specific kind of insurance includes coverage of RV and motorhome rollovers. Collision insurance pays for damage to your RV or motorhome if you’re in an accident with another vehicle. RV owners who finance or lease their RV may be required to carry collision insurance as well.

Who Needs Full-time RV insurance cover?

Full-time RV insurance is for. RV/motorhome owners who invest in this type of insurance typically live in a motorhome or travel trailer for more than six months a year. This type of coverage provides RV owners with more liability protection and can include other types of coverage to suit their specific needs.

Coverage for an RV You Drive

If you own or operate an RV with a motor you’ll need at least liability coverage. However, more coverage may be needed if you lease or finance your RV. Often, lenders require RV owners to carry collision insurance as well if they are leasing or financing their RV. We’re here to answer any questions you may have regarding RV insurance, give the Will Wright Agency Inc. of Decatur, AL an opportunity to answer your questions and meet your needs.