If you’re a proud RV owner in Falcon, CO, you want to do everything you can to protect your investment. That includes carrying the right insurance. RV insurance is similar to auto insurance, but there are some important differences. Here’s how to make sure you’re properly covered.
Auto Insurance vs. RV Insurance
The first thing to understand is that your regular auto insurance policy probably doesn’t cover your RV. That’s because RVs are classified as either motor vehicles or a home, and most auto insurance policies only cover motor vehicles. Your RV is a recreational vehicle and has a VIN #. When you register your RV, you will be required to have it insured as a motor vehicle.
How Much RV Insurance Coverage Do You Need?
Your state’s minimum liability insurance requirements for RVs may differ from those for cars. Your Pikes Peak Insurance Agency representative can advise you on the minimum amount of coverage required in Colorado.
You also have the option to purchase comprehensive and collision coverage for your RV, as well as personal injury protection, uninsured/underinsured motorist coverage, and medical payments coverage.
Basic Vs. Full-Time Coverage
Another important distinction with RV insurance is whether you need basic or full-time coverage. Basic RV insurance covers you for recreational use, such as when you’re camping on weekends or taking a cross-country trip.
Full-time coverage is for those who live in their RVs full time. If that’s you, you need to make sure your policy covers you for the state in which you live, since residency requirements vary from state to state. You’ll also need coverage for any attached structures, like awnings, and for any belongings that you keep in your RV.
Pikes Peak Insurance Agency Can Help
No matter what your RV insurance needs are, the team at Pikes Peak Insurance Agency in Falcon, CO can help. We’re experts at finding the right coverage at the right price. Contact us today for a free quote.