A motor home or RV is significantly different from a traditional car, which is why it has its class of insurance. This insurance offers additional coverage to ensure having a motor home in Centennial, CO is the exciting experience it is meant to be.
Here is a guide to help you insure your RV so you can hit the open road safely. Atrium Insurance Group can help you navigate important coverage for your vehicle.
What Kind of Motor Home Insurance Is Required in Colorado?
In Colorado, RV owners are required to have at least liability insurance coverage. This insurance should cover the costs that result from third-party property damage or injuries caused to other people during RV use. You are allowed to add your RV to your auto insurance policy, but you will not have sufficient coverage. For instance, should your RV catch fire as you are cooking, auto insurance will not cover the cost of repairs.
The right level of coverage will vary depending on the size and type of motorhome you have and how you use it. Are you a road veteran or a holiday camper, and what additional items do you have in it (antenna, awnings)? A class B RV insurance is the best option if your motorhome is fully outfitted. It will cover everything, from an accident to the risks of vandalism and theft.
Different insurance companies define motor homes differently. Some will classify a van with sleeping and cooking amenities as a camper, while others will require that it has running water, power, and a toilet for it to be classified as a motor home.
Contact Us Today
Motorhome insurance is a valuable asset for helping you enjoy your road adventures. Give us a call at Atrium Insurance Group in Centennial, CO to learn more about this coverage and available options.
Atrium Insurance Group serves the Centennial, CO community and the surrounding areas. For over 20 years, we have helped our clients find policies that align with their individual needs. We recognize that every client has a different situation. We help our clients find custom policies to protect them in every situation.
Basic Motorhome Insurance Facts To Learn About
Many Centennial, CO residents enjoy traveling around the city in their motorhomes. Perhaps you are planning your next adventure. Motorhome insurance gives you a safety net as you explore the region. Motorhome insurance covers you if the vehicle is damaged in a collision with another object. If you are planning to go camping, comprehensive coverage is recommended. Comprehensive coverage protects you if your motorhome is vandalized or stolen. All of your personal items inside the motorhome are covered if something happens. Comprehensive coverage also covers your motorhome against possible damages due to severe weather or an accidental fire. You are also covered if your motorhome suffers damage due to an impact with a deer or another type of large animal. Liability coverage is another significant part of your policy. You are covered if your motorhome causes property damage or accidentally injures someone. If you have passengers traveling with you, liability coverage protects you if they suffer an injury.
You have the option to amend your policy and add emergency coverage. Perhaps you are traveling out of the state, and your engine starts having trouble. You will receive urgent roadside assistance, including towing service if necessary. If you aren’t planning to use your motorhome for a few months, adding storage coverage ensures that it will be protected if a disaster occurs.
Atrium Insurance Group Will Help You Protect Your Assets
Contact our office to learn more information about motorhome insurance.
At Atrium Insurance Group, we can provide high-quality motor home insurance policies that will keep your vehicle safe and in great shape. However, we’ve found many in the Centennial, CO area don’t think they need a policy. Here’s why we feel that you and other motor home owners do need a great insurance policy.
When your motor home gets damaged by nature or any other types of problems, you’ll need a high-quality insurance policy to minimize your financial investment. Otherwise, you may have to pay for everything out of pocket. Policies also help to replace your motor home if it is totaled at any time, such as if your RV burns down and you’re not liable.
If anybody gets injured while you’re moving your motor home (or is hurt inside of it), you may need liability coverage to help yourself out. This option will pay for medical expenses and even lawsuit expenses, depending on the range of the damage and much more. Make sure to talk to your agent about this insurance to get the best possibilities.
Do you plan on living in your motor home full time, or do you already live there as your primary residence? Then, you might want full-timer motor home insurance. Getting this option treats your RV as a home and covers many elements that other insurance policies do not.
Do You Want Insurance?
If you’re concerned about your motor home and want to make sure that things go smoothly for your needs, it is a good idea to reach out to us at Atrium Insurance Group right away to learn more. We serve Centennial, CO and the surrounding area and will do what we can to help your motorhome stay safe.
As a Centennial, CO, you don’t need to buy your motorhome insurance without making sure that everything necessary has been analyzed. Remember that a motorhome is your tour or vacation vehicle, which means that there are some important factors that you need to consider before making the purchase. As a leading motorhome insurance provider, Atrium Insurance Group offers some important tips when deciding to buy motorhome insurance.
Consider Comprehensive and Collision Coverage
Traditionally, most motorhome owners will go for liability coverage and leave everything else out. This is a dangerous situation as it can easily lead to significant financial challenges, especially if you’re involved in accidents. Liability insurance does not cater to some aspects, such as collisions. Having comprehensive and collision coverage means you will have peace of mind because your insurance provider will cover all the possible liability expenses.
Consider Full-Time Liability Coverage
In most cases, motorhomes will attract insurance policies that are similar to those of the car. However, if you plan to live in your RV in the long-run, you need to consider full-time liability coverage. This means that your insurance will be extended to cover similar aspects as those covered in home insurance. Issues such as fire, theft, and other uncertainties will be considered in full-time liability coverage.
Roadside Assistance Coverage
Living in your motorhome comes with additional risks and uncertainties. There is a higher chance that your RV will break down while driving on the streets, which could cause some serious problems. Having roadside assistance means you can contact your insurance provider, and everything will be solved in a matter of minutes.
Some additional motorhome insurance policies are not legally required in Centennial, CO. Atrium Insurance Group is focused on giving you additional insurance coverage that will protect your home while on the streets. Contact our office to get started with a quote.