Month: December 2021

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:

1. Upon purchase of a camper, travel trailer or RV
2. If the RV is your primary residence
3. If you rent an RV for vacation
4. 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. 

When you purchase a motorcycle, the experience starts even before you hit the road. Prior to shifting into first and easing off the clutch, you’ll want to start by selecting the right bike for your needs. When shopping for a motorcycle, be sure to consider the overall power, the wet weight, power-to-weight ratio, and your judgment. There’s a big difference between riding a touring bike and a Ducati that is best learned prior to hitting the streets.

Whether you are riding down the street to the grocery store or going on a long road trip, always be sure to wear a full-face helmet. Although an open-face helmet may look more appealing and be less hot in the summer, gravel pavement is not a forgiving surface. With the most common area of impact being the chin, having a full-face helmet can be the difference between life and death. After a helmet, the next most important piece of equipment is full protective gear specifically designed for motorcycles including an abrasion resistant jacket with armor, motorcycle pants, gloves, and moto boots. 

With the right gear in place, the next step is to always check the weather and then check it again right before leaving. No matter how experienced a rider you are riding in the rain is a major no-no. For riders in Colorado, you’ll need a valid driver’s license and to either pass, the written motorcycle exam, pass a motorcycle drive skills test, and purchase a motorcycle instruction permit or complete the Motorcycle Operator Safety Course. 

At Alliance Insurance Services in Arvada, CO, our friendly and knowledgeable team of insurance professionals is ready to assist with finding the perfect motorcycle insurance policy for your needs. Stop by the Alliance Insurance Services office in Arvada, CO or give us a call today to learn more.