Why does anyone need insurance? We use insurance for several reasons, the foremost amongst those being to protect us against the loss or damage of our assets, and the second to protect us against liability. RV insurance is no different and at the Atrium Insurance Group serving the area of Centennial, CO, we want you to know why you need RV insurance.
The mandatory minimum insurance in Colorado for an RV, which is classed as a vehicle, is liability insurance. This insurance specifies certain minimum amounts that need to be purchased. If you believe the minimum amounts will not be sufficient, then you are allowed to purchase additional liability insurance. Liability insurance covers you if you are legally liable for injuries to a person or damage to a property under the conditions of the policy, usually from an accident. There are several further options for insuring an RV and these include collision coverage and coverage for when the other driver is under or uninsured.
But it is not only auto insurance. An RV is more than a vehicle. It may also serve as an on-the-road vacation home or even a permanent home. In a home you have contents, and the cost of contents can add up if you suddenly need to replace items if they are damaged or stolen.
And finally, Colorado is home to some spectacular national parks and mountain ranges. It may happen that you are affected by a peril like an avalanche. In this case, further insurance coverage would be wise to safeguard yourself, your family, and your assets.
RV insurance should be carefully considered, but make no mistake, it is necessary. Contact Atrium Insurance Group serving the area of Centennial, CO today and avoid any unforeseen bumps in the road.