When you think of an RV, the classic rolling hotel room that dads fill up with their families for road trip vacations comes to mind. The truth is many types of vehicles can fit under the umbrella of "recreational vehicle". At Pikes Peak Insurance Agency, we have a number of Falcon, CO customers who want to cover their fifth wheel, camper van, travel trailer, or motorhome.
Just like RVs, there are many kinds of insurance you can get for them. The following are three kinds of RV insurance to consider.
Three Types of RV Insurance
1. Full-Time Coverage
If you are a person who uses your RV as your primary residence, get full-time coverage for your RV. This is basically like homeowner’s coverage for your recreational vehicle. It covers emergency expenses, medical bills, personal liability for things that happen in or near the RV, and coverage for fees that an HOA charges for damages in common areas in an RV park or neighborhood. Your RV is covered both when it’s on the road and when it is parked with this coverage.
2. Contents Coverage
If you have an RV in Falcon, CO with valuable things inside of it, consider contents coverage. This protects you if the belongings in your RV are stolen. It can also guard you against vandalism in your recreational vehicle. With this, you won’t need renter’s insurance on your RV.
3. Roadside Assistance
Include roadside assistance in your coverage if you are on the road a lot. You will get help if your RV breaks down or you need a tire changed while traveling. There are a lot of things that can go wrong in an RV, and this helps prevent emergencies while you are traveling.
Call Today To Discuss Your Options
If you are on the hunt for quality RV insurance, give us a call at Pikes Peak Insurance Agency. We have helped several customers in the Falcon, CO area properly cover their recreational vehicles.
Are you planning to purchase a recreational vehicle (RV) and hit the open road? Are you already an RV owner in the Falcon, CO area looking to renew your insurance coverage? Before taking any trips in your RV, it’s essential to understand the ins and outs of RV insurance.
Different Types of RV Insurance Coverage Available
RV insurance is similar to car insurance; however, there are several specialized coverage options that you should consider when evaluating your RV insurance needs.
Liability insurance is a must for any RV owner. It covers damages you may be liable for caused by your RV, such as medical expenses and property damage from an accident.
Collision and Comprehensive Coverage
These two types of coverage provide protection if your vehicle is damaged in an accident or by a natural disaster, such as flooding. Collision covers damage to your RV caused by contact with another vehicle or object, while comprehensive covers damage caused by weather, theft, and other conditions not related to a collision.
Uninsured/Underinsured Motorists Coverage
If you’re involved in an accident with a driver who doesn’t have insurance or enough coverage to pay for damages, this type of coverage can help protect you from expensive out-of-pocket costs.
Determining Your Needs
Before shopping for RV insurance, it’s crucial to determine what coverage levels you need. Consider factors such as the age, value, and type of your RV, how often you plan to use it, and how much risk you’re willing to assume. Our experienced agents at Pikes Peak Insurance Agency are here to help ensure you get the right coverage for your needs.
No matter what type of RV insurance coverage you’re looking for, Pikes Peak Insurance Agency has the knowledge and experience to provide you with personalized service in the Falcon, CO area. Our team is dedicated to understanding our clients’ individual needs and providing them with tailored RV insurance solutions that meet their needs and budget. Contact us today to get started!
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.
Pikes Peak Insurance Agency offers coverage to the CO community, as well as the surrounding areas. We strive to help our clients find policies to cover themselves in any situation. We pride ourselves on providing excellent customer service. We have relationships with multiple carriers throughout Colorado. We are confident that we can help you find the right policy to protect your assets.
RV Insurance Guide
RV insurance protects your vehicle as you travel around CO and beyond. As the owner of an RV, you have a unique asset. Your RV insurance may change based on the type of RV that you have. There are multiple types of RVs. Class A RVs are the largest model of vehicles. Generally, these are luxury mobile homes or coach buses. Class B RVs are the smallest model of vehicles. Generally, these are camper vans or travel trailers. Class C RVs are generally campers. If the camper is towed by a truck, that is also a class C vehicle. Some RVs also include 5th wheel trailers. If you have a 5th wheel trailer on your RV, you will need extra coverage in order to fully protect it against possible damage.
RV insurance covers you if you are involved in an accident, or you collide with an object such as a tree. You can opt for comprehensive coverage, which protects you if your RV is stolen or vandalized. You also have to prepare for the threat of inclement weather. RV insurance covers you if your vehicle is damaged due to severe weather. Liability coverage is also important. You are covered if you accidentally cause damage or bodily harm. There is a relatively high risk in operating an RV. If one of your passengers gets injured while riding on your RV, liability coverage will take care of their injuries.
Pikes Peak Insurance Agency Will Help You Find The Right Policy
Visit our website to learn more information about RV insurance.