Do I need RV Insurance?

May 28, 2021

“Do I need RV insurance?” This is a common question that many current and potential RV drivers have? Align Insurance Group of Spanish Fort, AL is dedicated to educating RV owners and erasing any confusion surrounding the requirements. For the most part, the question regarding the necessity of RV insurance is a simple one to answer. 

Do I Need RV Insurance?

The short answer to this question is yes and no. If you operate an RV or motorhome with an engine, you are required to carry liability insurance. In some situations, you may be required to carry more. If you are leasing or buying an RV or motorhome, you may be required to carry collision insurance as well. These requirements make sense when you consider the fact that a driveable RV is actually a mobile vehicle, as well as a home on wheels. The possibility of accidents, wrecks, property damage, and injury to others are all possibilities. As a result, RV and motorhome operators must at least carry liability insurance. Alabama state law requires insurance on motorized RVs that fall into the following categories:

  • Class A
  • Class B
  • Class C
  • Bus Conversion

When ISN’T RV Insurance Required?

RVs that are non-motorized and are towed rather than driven don’t require insurance unless you are leasing or buying your RV and your lender requires it. Drivable RVs need liability, comprehensive, and collision coverage just like an automobile. Alabama law has no insurance requirements for trailers that are towed behind a vehicle. Alabama operators that have questions about the best insurance coverage should call our team at Align Insurance Group of Spanish Fort, AL. We’re here to patiently answer all of your questions and eliminate any confusion you may have about RV insurance. 

26041 Predazzer Ln Suite C,
Daphne, AL 36526

We are providing reliable policies that protect the Alabama & Florida Gulf coast.

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