RV Insurance Basics

Residents of Arvada, CO are required by state law to carry RV insurance if their RV is registered. This includes insuring an RV for liability at the legal limits set forth for bodily injury per person and per accident and to cover property damage. 

It is possible that your car insurance policy will protect a towable travel trailer to an extent, but an RV insurance policy will provide much more protection against situations that may arise. By definition, travel trailers must have a cooking and sleeping area and will be non-motorized. To qualify as an RV, a vehicle must be motorized, have cooking appliances, electricity, a refrigerator, air conditioning, heating, drinkable water, and a bathroom. 

Optional insurances

You can purchase comprehensive coverage to help pay for costs associated with damages that are not caused by an accident, including theft or fire, and collision coverage assists with expenses related to an accident. This is an important type of indemnification that many RV owners will choose, because RVs can be significantly more costly than a regular vehicle. 

Vacation liability protection is another type of insurance that will cover costs that are the result of injuries incurred in your RV when it is being used for vacation purposes. This is similar to a property insurance policy that you would carry on your home, and it also tends to protect against property damage as well. Drivers can also carry roadside assistance that helps them while they are on the road and are experiencing mechanical issues. 

Alliance Insurance Services Provides RV Insurance

Alliance Insurance Services has faithfully served the Arvada, CO area and can help you with all your RV insurance needs. We invite you to contact us with any questions you may have, and we look forward to doing business with you. 

Deciding on a Motorcycle

Several types of motorcycles exist, but it depends on your skill level and personal preference, which one is the best. Knowing the difference between the various types of bikes will help you make a decision about which one you’d prefer. No matter what type of street bike you choose, it requires insurance from a company like Alliance Insurance Services serving Arvada, CO, and the surrounding area. 

Standard Bike 

A standard bike doesn’t offer all the bells and whistles. It keeps the rider in a more upright position, which feels more like a natural sitting position. Typically, a standard bike is less expensive than other types of bikes. It’s best suited for new riders because if an incident should occur and it accrues a few knicks from laying it down, you won’t be as upset. 

Touring Bike 

A touring bike is designed for long-distance rides. If you plan on taking your bike site seeing or want to enjoy long, leisurely rides, these motorcycles are the most comfortable. Touring bikes have larger engines, higher fuel tank capacities, more storage space and extra wind and weather protection. These bikes tend to be larger and keep you in a more natural sitting position. They’re easier to handle than a cruiser, but they’re not the best for beginners. 

Sports Bike 
Sports bikes are compact motorcycles that are designed for speed. Usually, a sports bike has a light body, high-performance engine and better braking and suspension. These bikes have easier handling, more aerodynamic features, and higher foot pegs. The power and speed of these bikes make them less fuel efficient than most bikes. 

Sports Touring Bike 
A sport touring bike has less weight than a touring bike but still has the same storage space as one. They handle turns and curves more like a sports bike, though. 

Cruiser Motorcycle
Cruiser motorcycles, also known as choppers, are usually custom bikes. You’re placed in a stretched forward position. Usually, the handlebars are positioner up high. You don’t usually have to shift as much with a cruiser. Less ground clearance, means these bikes are harder to handle around curves. 

Whichever bike you choose needs insurance, and Alliance Insurance Services, serving Arvada, CO and the surrounding area, can help. Contact us today at 303-431-9351 to get a quote.