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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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How Does RV Insurance Work?

RV insurance protects you if you cause damages or injuries to another party. It may also cover the cost of damages to your vehicle as well. Depending on the way you use your RV, there are several coverage types you may want to include in your policy. It also depends on the type of RV you own. For example, coverage for a motorhome that you drive will be different than that for a travel trailer that you pull behind your vehicle.

There are three different types of vehicles that can be covered by RV insurance, including:

  • Motorhomes, Class A, B, and C
  • Travel trailers, both fifth-wheel and conventional
  • Truck campers and pop-up campers

Is RV Insurance Required in Colorado?

RV liability insurance is required in all states, including Colorado. The state of Colorado also requires uninsured and underinsured motorist coverage for a number of conditions, including:

  • When you purchase an RV
  • If you live full-time in the RV
  • You use a rental RV for vacation
  • You use the RV part-time

Your homeowners’ insurance policy or your auto insurance policy is not enough to cover your RV. Instead, you need to purchase a separate RV insurance plan through a trusted provider in Centennial, CO, such as Atrium Insurance Group.

How Does Coverage Work?

If you damage your RV, cause injury to someone, or damage someone’s property, you simply have to file an insurance claim with your provider. Depending on the incident, your policy will cover the cost of loss or injury up to the limits of your policy.

Traditional auto insurance and RV insurance are not one and the same. When purchasing your RV insurance, you will need to notify the agent how you plan to use your RV as well as answer a few questions. Together, you can choose a policy that works best for you. Available coverage types include collision, comprehensive, liability, towing, and uninsured/underinsured motorist insurance.

Atrium Insurance Group is available to answer all of your RV insurance questions if you reside in Centennial, CO. Give us a call today.

Why do I need RV Insurance?

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.

Protect Your Investment with RV Insurance

If you have a recreational vehicle, taking insurance is one of the best ways to protect your investment. Your recreational vehicle is prone to accidents that can cause you significant losses. It is crucial to get RV insurance to ensure that you don’t incur excessive out-of-pocket costs if an accident causes property damage or bodily injury. 

Atrium Insurance Group is your ideal RV insurance partner in Centennial, CO. Keep reading to understand how to get the right RV insurance to protect your recreational vehicle. 

Protect Your Recreational Vehicle with RV Insurance 

An RV is one of the significant investments that you’d want to protect. Getting RV insurance will give you peace of mind. Here’s how to get the ideal RV insurance: 

Get the Right Coverage 

The list of available coverages for a vehicle is long. It would be best if you understood what you need to enable you to get the right coverage. You can file a claim for any damage with the ideal RV insurance, such as a cracked windshield or a major collision. 

Your choice of coverage will determine the out-of-pocket expenses that you’ll incur. Get an agent to guide you on the coverage you need for the possible risks you’re likely to face. 

Choose a Reputable Company

A reputable company will protect your investment in case of any eventualities. Atrium Insurance Group has years of experience in providing RV insurance. The testimonials of a company are one of the best ways to know how reputable the company is. 

You can also check online reviews to know more about an insurance company. With a credible RV insurance partner, you’ll rest easy knowing that you won’t incur losses if your vehicle got into an accident. 

If you don’t know how to protect your investment with RV insurance, Atrium Insurance Group in Centennial, CO can help. We have an experienced team ready to serve you and answer all your questions. 

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