Month: February 2026

Alabama is one of the most tornado‑prone states in the country, averaging 63 tornadoes each year. Both rural and urban communities face significant risk, making it essential for RV owners to have the right insurance protection before severe weather strikes.

Standard Liability Coverage

Standard liability coverage pays for the other person’s property damage and bodily injury if you cause an accident. However, it does not cover your RV and does not provide protection against natural disasters such as tornadoes. While liability coverage often meets state minimum requirements, it offers limited protection for weather‑related damage.

Comprehensive Coverage

To protect your RV from tornado damage, you need comprehensive coverage. This type of policy covers damage caused by events unrelated to a collision, such as wind, falling objects, and severe weather. Coverage details can vary between insurance companies, so it is important to review your policy with an agent at Surety Ins Inc.

Deductible Information

You will be required to pay a deductible before your insurance company pays for the remaining damage. This amount is chosen when you purchase your policy and may range from a few hundred to several thousand dollars, depending on your coverage.

Additional Coverage Options

It is important to make sure all parts of your RV are protected. Ask your agent whether attached structures, including awnings or satellite equipment, are covered. You should also confirm that items in your RV, such as clothing, dishes, and personal belongings, are covered under your policy.

At Surety Ins Inc., our experienced team understands how severe weather affects RV owners in Alabama. We can help you review your coverage options and ensure your RV is properly protected before the next major storm. Contact us today to get started.