Are there different levels of RV insurance depending on how often I use it?

If you own an RV in Arvada, CO, it is probably your pride and joy. You know that you can depend on your time on the road in your recreational vehicle to bring you pleasure and relaxation. And you probably already have a minimal policy at Evertree Mountain States to make sure your investment is protected.

Colorado requires all RVs which are on the road to carry liability and uninsured motorist insurance, with at least $30,000 for bodily injury liability and at least $60,000 for all parties involved in an accident. But what about the times you are not on the road? Do you need to pay for coverage for the entire year, for instance, when you can only use your RV in the summer?

Your homeowner’s policy may cover your RV during times when it is being stored on your property. Unfortunately, it may not be protected at a level which would allow you to be reimbursed for the amount you would need to replace or repair your RV if there were an unfortunate accident or theft. Check with your insurance agent if you have any question about your policy limits.

Additionally, you may be required to carry full coverage on your RV if you are still paying on a loan. Failure to carry insurance could cause your lender to impose an unwanted, expensive insurance policy on your RV so they can protect themselves against a loss.

If you own your RV outright are really trying to save money on your RV insurance during the offseason, ask your Evertree Mountain States agent about comprehensive coverage just for those months. This will ensure your RV against theft, fire, water damage or any other disasters. Call today if you live in Arvada, CO and want to get the protection you need.