Do I Need Motorhome Insurance in Athens, AL? 

Motorhome insurance may help address legal requirements and unexpected costs related to how you use your motorhome.

Is Motorhome Insurance Required in Athens, AL?

Alabama requires drivers to prove financial responsibility for automobile accidents. Many motorhome owners carry bodily injury and property damage liability insurance to satisfy this mandate. If you use your motorhome recreationally or live in it full-time, you may want to explore additional coverage to address risks beyond basic driving, such as if someone is injured in your vehicle while it’s parked.

What Does Motorhome Insurance Cover?

Motorhome insurance coverage options may vary. Standard policies may include the following:

• Bodily injury liability coverage

• Property damage liability coverage

• Collision coverage

• Medical payments coverage

• Uninsured/underinsured motorist coverage

• Personal property coverage

• Comprehensive coverage

These coverages can help you manage costs related to both driving incidents and parked situations, such as damage at a campsite or while in storage.

Additionally, you can select optional coverages to address gaps in a standard policy. Common add-ons include roadside assistance, vacation liability, full replacement cost, pet injury protection and coverage for attached accessories like awnings or satellite dishes.

Motorhome policies may not cover certain situations, including mechanical breakdowns, wear and tear, damage from improper maintenance and losses from using the motorhome for business purposes. Some insurers may limit coverage if the vehicle is used as a permanent residence without proper policy upgrades. Always review your policy to understand its limits.

We’re Here to Help

SOS Insurance Agency can recommend appropriate coverage for your motorhome. Contact our team today for more information or to get a custom quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.