RV Insurance in Georgia
It should come as no surprise: you drive an RV anywhere in the state of Georgia, you need to be properly insured. Yes, just like other vehicles, the Peach State requires all RVs to meet minimum insurance coverages in order to be considered street safe. But how much in coverage do you actually need, and what does the state consider an "RV" anyway? Our caring insurance professionals at HeadSouth Insurance in Canton, GA have the answers.
Georgia RV Insurance State Requirements
Like all states, Georgia has its own specific requirements when it comes to RV coverage. Fortunately, our state's laws are easy to navigate. RV drivers in Georgia must carry the same amount of insurance for their RV as their car. This includes a minimum coverage amount of bodily injury and property damage in the event of an accident, though RV owners are able to only insure the vehicle for as long as they are driving it. That's why the state allows this coverage to come in different term lengths, including vacation and full-time coverage. Many RV drivers may also want to add on personal property coverage for their belongings inside the RV and/or roadside assistance.
What Qualifies as an 'RV' in the State of Georgia?
With the vast variety of mobile home models out there today in addition to the variety of driving and living options available, it can be a bit confusing to know what kind of "RV" the state is talking about when it comes to Georgia RV insurance coverage. In our state, an RV is a drivable vehicle that is from 1963 or newer and is used either as a seasonal or vacation home (or regular vehicle). If it is a camper that is towed, it may also require its own title and insurance if from 1986 or newer. Always check with the Georgia Department of Driver Services if unsure.
How to Get the Right Policy for You
At HeadSouth Insurance, we recognize that the policy that works for one RV driver may not be the best choice for another. That's why we work with a wide range of insurance providers to find and tailor a policy to meet your specific needs. Give us a call today or make an appointment to visit our Canton, GA offices to learn more about your RV insurance coverage options.