What to Look for in Motorhome Insurance
Motorhome insurance is a must for anyone owning an RV. Insurance is even more critical if you’re always on the road in Spanish Fort, AL, as you’re at greater risk of being involved in or causing an accident. At Align Insurance Group, we offer a variety of motorhome insurance options to suit all types of motorhomes and all drivers. Here’s what you should look for when contemplating your policy.
Vehicle Protection
An investment as costly as a motorhome needs adequate coverage to protect you from exorbitant repair costs out of pocket in the event of an accident. RV insurance also protects your assets if you cause an accident resulting in injuries or damage to other drivers.
- Collision coverage – If you collide into another vehicle or a stationary object (tree, light post, etc.), collision coverage helps pay for your motorhome repair costs.
- Comprehensive – This coverage pays for repairs to your RV from non-collision sources like lousy weather, falling objects, or vandalism. It also protects you against RV theft.
- Uninsured Motorist (UM) – If someone with no insurance hits your RV, UM coverage helps cover your repair costs.
When choosing motorhome coverage, keep in mind the value of your RV and your RV lifestyle. Ideally, you should shoot for as much coverage as you can get within your budget.
Liability Protection
If you cause an accident, you’ll be held responsible for the other driver’s injuries or property damage costs. Liability insurance covers these expenses up to the limits of your policy. As motorhomes have the potential to cause extensive damage, you should get ample liability coverage.
To learn more about motorhome insurance in Spanish Fort, AL and insurance costs, talk to an agent from Align Insurance Group today.
