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.