Recreational Vehicle (RV) Insurance in Georgia

RVs are extremely popular in Georgia. Whether you’re a retiree who loves to travel the country for the best weather, or just like taking your family camping a lot, an RV makes a huge difference.

However, they also create unique problems. While they provide the benefits of both a house and a vehicle, they also get the risks of both.

That’s why RV insurance in Georgia is crucial. You want to protect your RV and make sure you can get it repaired or replaced whether there’s a fire, you get in an accident, or a storm damages it.

Chandler Insurance Group is highly experienced in customizing policies to meet this unique need for your recreational vehicle, and we can protect your RV.

Why RV Insurance Matters

Your RV isn’t just a vehicle. It’s also a temporary home that has a lot of appliances and personal belongings in it.

This makes your RV have twice the risk factor. It has all the risks of a home, and it has the risks of a normal car. You can get into an accident and deal with damage and liability, or the RV can be broken into with valuable items lost. A fire can start and heavily damage it, or a storm can rip parts of it off. All of these are costly to deal with.

Because of this unique combination, standard auto insurance won’t cover many of the risks your RV realistically faces. It may handle accident-related issues, but it won’t cover the home-like aspects. Similarly, home insurance won’t extend coverage to your RV.

That’s where specialized RV insurance comes in- it’s designed to cover both the driving and living risks, giving you full protection for your investment.

What Does RV Insurance Cover?

We’re going to separate RV insurance coverage in Georgia into two main categories. These are standard coverage options and add-ons.

Standard Coverage Options

• Collision Coverage: This handles any repairs the RV might need after an accident.
• Comprehensive Coverage: This goes beyond accident repairs to include fire damage, vandalism, and theft.
• Liability Protection: This covers your financial liability if someone else is hurt in or by your RV.

Optional Add-Ons

• Vacation Liability: This is liability coverage for when you’re parked and using the RV as a temporary home rather than a vehicle.
• Roadside Assistance: If you end up needing roadside assistance, this coverage helps cover the cost.
• Personal Property Protection: This will cover your personal belongings within the RV whether they’re stolen or damaged.
• Full-Timer Coverage: This is comprehensive coverage if you live in the RV full-time.

Chandler Insurance Group can help you find the right policy and add-ons depending on how you use your RV and where you typically take it.

RV Types We Cover

Whether you’re using a full-sized RV, a standard travel unit, or a trailer unit, we have coverage options that are suitable for you.

We’ll help you customize your coverage based on the type of RV you own, how old it is, and the way you use it to ensure you get the right type of coverage at the best price.

How to Save on RV Insurance in Georgia

There are 4 primary ways you can save big on your RV insurance in Georgia.

• Driving record: If you have a good driving record, you can often get great discounts on your RV insurance just like you would normal car insurance.
• Include in a multi-vehicle discount: Most insurance carriers will give you discounts for insuring multiple vehicles on the same policy. That can include your RV.
• Bundle in your home or auto insurance: You can bundle your RV in with your home or auto insurance a lot of the time to get a discount overall.
• Get a policy with storage discounts: If you don’t use the RV at all times, some policies allow you to pay reduced prices while it’s in storage.

You can also choose to work with Chandler Insurance Group. We partner with the top insurance carriers, and we’ll help you find the cheapest RV coverage in Georgia.

Let’s Get You Insured!

Your RV has all the benefits of having a car and a house, but it also has all the drawbacks of both. It’s crucial to protect your RV. Contact us now for more information!