Camper and RV liability insurance is a requirement in every state, including Colorado. Additionally, Colorado requires RV owners to carry underinsured and uninsured motorist coverage if they meet any of the following:
- Upon purchase of a camper, travel trailer or RV
- If the RV is your primary residence
- If you rent an RV for vacation
- Part-time usage of the RV
Generally speaking, RV insurance is similar to coverage on your personal automobile in that includes collision for covering losses associated with accident-related damage regardless of who is at fault, liability for covering costs associated with third-party injuries, property damage, and legal fees, and comprehensive that covers the cost of fires, lightning, hail, theft, vandalism, and other similar acts. Additionally, Alliance Insurance Services in Arvada, CO can provide optional coverage such as total loss replacement, towing and roadside, personal belongings, emergency expenses, and attached accessories.
When shopping for RV insurance, you’ll want to be sure to purchase a policy that includes adequate coverage. Accidents involving RVs result in substantial costs largely because of the complex repairs and associated expenses. Consequently, purchasing an insurance policy with enough coverage to protect your investment is imperative. Additionally, it may be prudent to purchase greater liability coverage to protect yourself from undue expenses that are incurred by a third party.
Whether you are purchasing your first RV or are on your tenth, the professional and friendly team at Alliance Insurance Services in Arvada, CO is ready and willing to assist with your RV insurance purchase. We’ll take you step by step through the process, answer any questions that you have, and always be by your side in case an accident happens. Give us a call today to learn more about our RV insurance offerings.