Category: Motor Home Insurance

Choosing the Right Motorhome Insurance in Foley, AL

A motorhome offers an excellent opportunity to explore the country or serve as an affordable housing option. Many individuals choose to live in their motorhomes to save on living costs and have easy travel access. If you’re contemplating living in your motorhome, there are certain aspects you need to know about insurance. At Southern Risk Associates, serving Foley, AL, and the surrounding areas, we’re here to assist you in making optimal insurance choices for your motorhome.

Auto Insurance Isn’t Adequate

The first important point is that auto insurance usually isn’t sufficient for a motorhome. Given their size, motorhomes pose different risk factors for accidents and damage compared to regular vehicles. You need a tailored insurance policy for your type of vehicle to ensure proper coverage in case of an accident.

Living in a Motorhome: A Unique Insurance Situation

In addition to needing specific insurance for motorhomes, you also need to consider how living in the motorhome changes your coverage needs. Consult with an insurance representative about how this lifestyle change impacts your coverage. You’ll want a policy that considers your personal belongings as well as the value of the vehicle.

If you’d like to learn more about motorhome insurance, please contact us at Southern Risk Associates, serving Foley, AL, and the surrounding areas. We’re eager to answer your questions and help you choose the insurance products that best suit your needs.

Purchasing motorhome insurance is a critical step in protecting your home on wheels. Whether you’re a seasoned traveler or a newbie to the RV world, understanding the questions you’ll encounter during the buying process is essential, and the team at Southern Risk Associates, serving the greater Foley, AL area, wants to ensure you know what to expect.

Vehicle Details

Expect questions about your motorhome’s make, model, year, and vehicle identification number (VIN). Insurance providers use this information to assess the risk associated with your specific vehicle. Be sure to provide accurate details to receive an appropriate quote.

Usage and Mileage

Insurers will inquire about how you plan to use your motorhome. Whether it’s for occasional trips, full-time living, or anything in between, your usage affects your coverage needs. Mileage estimates are also relevant, as more time on the road may increase your premiums.

Storage and Security

You’ll likely be asked about your motorhome’s storage location when not in use and the security measures you’ve implemented. Storing your RV in a secure facility and using safety features like alarms can lead to potential discounts on your insurance.

Personal Information

Insurance providers will need personal information about all drivers who will operate the motorhome. This includes driver’s license details, driving history, and any additional qualifications like completion of an RV driving course.

Reach Out To Us

When buying motorhome insurance, being prepared for the questions you’ll face can streamline the process and ensure you get the coverage that suits your needs. Being prepared to answer all these questions will help you navigate the insurance buying process smoothly. If you’re looking to purchase a motorhome insurance policy in the greater Foley, AL area, reach out to Southern Risk Associates to get started today. 

The typical RV insurance from Southern Risk Associates protects you and your recreational vehicle while you travel in it. That type of RV policy protects your vehicle while you drive it around Foley, AL and on road trips. When you retire and decide to use your RV, also called a motorhome, as a permanent home, you need to upgrade to a full timers motorhome policy.

What a Full Timers Policy Offers

Although both types of policy protect your home on wheels, the full-timer’s policy adds coverage, such as added liability coverage. It protects your RV with full coverage, offering both comprehensive and collision protection.

When you live in your motorhome full-time, you typically park it in a single spot served by electrical and water hookups. This means you drive it less, but you also may host guests more often. Once you park it in one spot, you usually make friends with neighbors and host dinners or parties, just as you would in a traditional single-family home. That increases the liability you incur because you raise the risk of an accident in which you would incur fault.

Updating your motorhome insurance to a full-timers policy provides you with the needed protection though. You can add additional living expenses coverage to this policy, so if damage does occur to your RV, for instance, in a hail storm, your insurance pays for your hotel room while you get the RV fixed.

You can also add special coverage for expensive valuables that you keep with you, such as your mountain bikes or jewelry. The full-timers policy essentially offers protection like a home insurance policy.

Give Us A Call

Contact Southern Risk Associates in Foley, AL today to learn how to update your motorhome policy for your new way of life. Let us help you protect your traveling home.

Southern Risk Associates assists the Foley, AL community. We work with multiple carriers throughout the South and offer customized policies that adapt to our client’s needs.  

Motorhome Insurance Overview

Many Foley, AL residents enjoy traveling through the state in their motorhomes. During summer, traveling in your motorhome gives you the opportunity to experience a fun and exciting adventure. However, it’s important to remember that accidents can happen anytime. Motorhome insurance protects your asset while you’re traveling around. The policy covers your vehicle against potential damages while on the road. Collision coverage protects you if you make an impact with another vehicle or object. If you are held responsible for causing property damage or injuring someone, liability coverage will protect you. Liability coverage also covers you if one of your passengers is injured while traveling around with you. Motorhome insurance also covers any personal items inside the vehicle if something happens to them.

Comprehensive coverage provides extra protection, which is critical if you plan to go camping or take frequent vacations. Comprehensive coverage protects your vehicle if it’s stolen or vandalized. If you’re traveling through rural areas, it’s possible that you will collide with an animal. Comprehensive coverage protects you if your motorhome hits an animal or object. Serious weather may move into Alabama at any moment. If you’re going camping, comprehensive coverage protects your motorhome if it’s damaged due to a natural disaster. If you have a trailer attached to your motorhome, you can add extra coverage to protect that accessory against potential damages.

Southern Risk Associates Will Help You Protect Your Assets

Contact us today to learn more information about motorhome insurance.