Three RV insurance features to take advantage of

You should familiarize yourself with everything that RV insurance can offer in Arvada, CO when you’re buying a policy. There are many features that policies from providers like us at Alliance Insurance Services can offer. 

The following are three RV insurance features you might want to take advantage of in your insurance policy.

Towing and roadside assistance coverage

Most RV insurance policies should come along with some coverage for towing and roadside assistance. This coverage is important. If you break down, you will need to have your RV towed to a garage that can offer repairs. This can be expensive if you are located far from town. That’s why having towing and roadside assistance coverage is so important. 

Personal property coverage

RV owners typically have a lot of their personal items in their RV. These items could become damaged or destroyed in the event of an accident. With personal property coverage on your RV insurance policy, you could be reimbursed for damages to your personal property. 

It’s important to evaluate the value of your personal belongings within your RV. To enjoy maximum protection, you should have personal property coverage on your policy up to the full amount of the value of the possessions in your RV. 

Full-time coverage

You’re going to need more coverage if you live in your RV full time. In this case, you want to invest in full-time coverage. The premiums for such a policy may be slightly higher than for an average RV insurance policy. However, it will offer much-needed added coverage for full-time RV residents. 

If you’d like to learn about all the features that go along with our RV insurance in Arvada, CO, contact us. At Alliance Insurance Services, we’re here to provide you with helpful tips and information to ensure that your insurance needs are met. 

Three motorcycle insurance add-ons to consider

You need to find the right motorcycle insurance policy in Arvada, CO to protect yourself from financial liabilities. At Alliance Insurance Services, we offer a variety of options to those on the market for motorcycle insurance.

The following are three motorcycle insurance add-ons you might want to consider if you’re looking to insure your bike. 

Loan/lease gap coverage

It’s possible that you’ll be dealing with an underwater loan or lease on a motorcycle at the moment when your bike gets totaled. In this case, you would have to continue making payments on a bike that you don’t have anymore.

If you purchase loan/lease gap coverage, you’ll be compensated for any leftover payments on your loan or lease. 

Uninsured or underinsured motorist coverage

There are a lot of motorists out on the roads who are not carrying adequate insurance. If you have the misfortune to get in an accident that is caused by one of these motorists, you’ll want to have uninsured or underinsured motorist coverage. This provides additional coverage to make up for a lack of insurance on the part of another motorist. 

New motorcycle replacement coverage

A typical insurance policy will cover you for the estimated market value of your bike in the event of a total loss. However, you might want to be able to buy a completely new bike if your bike gets totaled. To get full coverage for a new replacement bike, you’ll need to add new motorcycle replacement coverage to your policy. 

We’re here to answer all your questions on these motorcycle insurance add-ons and more. If you would like to learn about our policies in Arvada, CO, contact us at Alliance Insurance Services.