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Covenant Insurance

1030 US Hwy 80 W, Unit 723
Pooler, GA 31322

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Georgia RV Insurance Coverage

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Recreational Insurance in Georgia and South Carolina

In Georgia and South Carolina, people enjoy their recreational vehicles. With no shortage of State Parks, beaches, and expansive rivers, residents in both states are using RVs, campers, fifth wheels and other types of recreational vehicles more than ever. Recreational insurance is all about making sure you’re safe and covered when you’re out and about. Here’s what you need to know.

Why Do You Need Recreational Insurance?

Any motorhome or recreational vehicle is technically two different types of things in one. You need coverage for the vehicle itself, as much as you would with typical auto insurance.

However, these vehicles also require coverage for the dwelling part of the vehicle as well. Whether you live in your vehicle or only use it for the occasional trip, you’ll want to protect it and the things inside it.

What Type of Recreational Insurance do you Need?

Choosing the proper recreational insurance will depend on your specific needs and activities. What you do or plan to do with your recreational vehicle matters. For example, there’s a difference between someone who want to travel across the country in their motorhome and someone who takes a camper out for the weekend.

Equally, someone living in an RV park will have different needs from someone who runs a business from the road. With that said, you should cover everything you comfortably can. Start with the required coverage but look for what else you need to protect.

What Are the Minimum Recreational Insurance Requirements?

Recreational insurance requirements in Georgia and South Carolina typically depend on the type of vehicle you’re using. Like any vehicle, if you’re going to drive it, then you need liability coverage.

If you’re still financing your vehicle, you will likely need full coverage. If the recreational part of your vehicle is towable, such as with a fifth wheel, the insurance options can vary. Your class of vehicle can also play a role in your coverage requirements.

Since so many variables exist, it’s crucial you make the right choice. Covenant Insurance agents are ready to learn more about your recreational vehicle, your travel plans, and how we can help make certain that you are fully covered. Call us today.

Who Needs RV Insurance in Georgia and South Carolina?

The laws in both states clearly outline that it is illegal to drive a motor vehicle of any kind without insurance. That means you will need coverage for the RV as a motor vehicle to start with. You will also need at least liability coverage to legally drive or move the RV.

What Types of RV Insurance Coverage are available?

Minimum coverage is standard, but RV insurance can often require additional insurance considerations. All the standard types of vehicle coverage still apply to RVs as well. For example, some other insurance options can include:

  • Additional body injury liability
  • Additional property damage liability
  • Uninsured and underinsured motorist
  • Comprehensive and collision
  • Medical payments
  • Roadside assistance

These insurance options are optional, but they can make a world of difference for those who need them. Adding protection and options to help you beyond liability can give you peace of mind and tangible help when you need it.

What Other Things Should You Consider for RV Insurance?

Choosing the proper insurance coverage for your RV also requires you to think about how you utilize your RV. Additionally, the type of RV matters as well.

Will you drive your RV or keep it mostly stationary? Is your RV a full motorhome or a trailer you will hook onto another vehicle? Depending on your answers to those types of questions, you will have to consider insurance options that accommodate those answers.

For example, you may need coverage for the items in your RV or any custom features you have. If you live full-time out of your RV, you will need to consider insurance options that cover your RV as it would a home.

In all cases, Covenant Insurance has access to the coverage options that you need. Contact us today to learn more about insuring your RV in Georgia or South Carolina.


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States Served

  • Georgia
  • South Carolina