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Magic City Insurance Group LLC

4268 Cahaba Heights Ct., Ste. 136
Vestavia, AL 35243

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Recreational Insurance in Alabama

Recreational insurance is beneficial and a must-have if you own a boat, motor home, camper, trailer, ATV, or other vehicles that are typically not covered under your standard auto or insurance policy. It is vital to give you peace of mind while traveling through the mountains or even the snow. We can provide you with the protection you need here at Magic City Insurance Group LLC in Vestavia, AL.

Recreational Insurance Requirements

The majority of states, including Alabama, Mississippi, Tennessee, and Texas, require that all recreational vehicles be insured. Liability coverage is legally required on all recreational vehicles since it includes property damage and bodily injury coverage. Depending on the recreational vehicle you are insuring, you may need to obtain different minimum requirements. For example, if you own an RV in Alabama, you must obtain:

  • Bodily injury coverage of at least $25,000 per person and $50,000 per accident
  • Personal liability insurance of at least $25,000 per accident
  • Uninsured coverage of at least $25,000 per person and $50,000 per accident

Recreational Insurance Coverage

These additional coverage options are available to insure your dirt bike, snowmobile, scooter, RV, camper, ATV, or trailer:

  • Collision coverage- This coverage can protect your recreational vehicle if your vehicle becomes damaged resulting from a collision with another vehicle.
  • Medical payment coverage- This will cover your medical expenses if you or your passengers are injured as the result of an accident.

You can also choose from any of the following coverage options to add on to your policy:

  • Safety apparel coverage
  • Increased liability limits
  • Optional equipment coverage
  • Trailer coverage used for transporting


To obtain a quote for recreational insurance, please visit Magic City Insurance LLC today. We are located in Vestavia, AL.

  • allstate
  • american modern
  • Amtrust
  • cna
  • encompass
  • foremost
  • Guard
  • hippo
  • Hiscox
  • national general
  • nationwide
  • Next
  • Openly
  • progressive
  • RLI
  • safeco
  • state auto
  • the hartford
  • travelers
  • universal
  • USLI

Servicing States

  • Alabama
  • Tennessee
  • Mississippi
  • Texas


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