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.