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.