Motor Home Insurance in Alabama
In Alabama and other regions, motorists traveling in motorhomes are classified in different categories by insurance agentss like us at Larry Burkman Agency in Huntsville, AL. These are primarily based on liability factors.
Essentially, you will either be considered a “full-timer” or a “part-timer,” depending on how much time you spend on the road. For part-time, there is just an occasional excursion.
A full-time motorist will be in the motorhome for closer to 200 nights annually. You can break that down more accordingly:
- Someone who owns a property returning there in between those 200+ night holiday trips
- An individual or family that has no property but instead essentially lives in the motorhome
The primary difference is that the Alabama insurance agent will determine the amount of time you’ll spend on the road or, as they see it, “at risk.” It’s reasonable for our agents at Larry Burkman Agency to presume a greater risk for a motorist no longer carrying a permanent Alabama residence since most of the year is spent road-tripping across the country.
That means greater opportunities for collisions and liabilities. Keeping you safe means obtaining the best possible policy for the time you’re in the vehicle.
If you spend a lot of time in the motorhome, you have most of your personal possessions, perhaps some valuables, with you. These need to be assessed and documented using photos and maintaining receipts of the items for scheduling.
“Scheduling” is the process of assigning a value if the item goes missing or you are the victim of theft. It helps the insurance adjustor expedite your claim.
As your premium insurance agents, the idea is to keep you, your assets, and the vehicle protected whether you use the motorhome only once in a while or live in it full-time.
We can help reduce your risk by placing insurance on your property. Please visit us at our office or give us a call to set up your plan.
