Recreational Vehicle Insurance

Recreational vehicle (RV) insurance can provide crucial financial protection if you are responsible for third-party property damage or third-party bodily injuries while driving your RV. It can also help pay for damage to your RV if you’re in an accident. Contact Michelle Allen Agency, Inc., in Villa Rica, Georgia, to learn more about RV insurance coverage.  

What Is RV Insurance? 

 

Like auto insurance, RV insurance is a contract between you and your insurer in which your insurance company agrees to pay for covered losses, per your policy terms, in exchange for your premiums. Your insurance agent may ask questions about how you use your RV to help them determine the best coverage for you and your vehicle.   

How Much RV Insurance Do I Need? 

 

In Georgia, motorized RV owners must carry minimum amounts of liability coverage. This includes property damage liability coverage, which can help pay for third-party property or vehicular damage you cause while driving. It also includes bodily injury liability coverage, which can help cover expenses associated with third-party bodily injuries after an at-fault RV accident. 

What Does RV Insurance Cover? 

 

You may want to consider additional RV insurance coverages to help ensure you have adequate protection, such as the following: 

• Comprehensive insurance
• Collision insurance
• Medical payments coverage (MedPay)
• Uninsured/underinsured motorist insurance
• Full-time RV insurance 

The agents at Michelle Allen Agency can help you evaluate your insurance needs. Contact us today. 

What’s Considered an RV? 

 

Different types of vehicles may be considered RVs, and various RVs may have other insurance needs. For example, if you own a Class A, Class B or Class C motorhome (e.g., self-powered), you’ll generally need to carry at least enough RV insurance to meet your state’s minimum requirements. State law may not require non-motorized vehicles, such as pull-behind campers and travel trailers, to have insurance. However, securing a policy for them can still provide essential financial assistance if they’re damaged. Reach out to our agents for more information. 

Where Can I Buy RV Insurance? 

 

We’re here to help you find the RV insurance you need. Contact Michelle Allen Agency for a tailored RV insurance quote and to speak to an insurance agent.