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.