Liability insurance for RVs and camper vans is required in every state, with Colorado no exception to the rule. Given how large an RV is, it is hard to imagine that anyone would want to operate one without insurance; however, some believe that your traditional auto insurance will cover an RV, but that is not the case. Keep in mind that in addition to liability insurance, you will be required to underinsured and uninsured insurance coverage when you purchase an RV, are living in it full-time, or rent one for a vacation.
While RV policies can vary from one insurance company to another, the vast majority will cover items like collision, liability, and comprehensive. While not a complete list, here’s a breakdown of what is generally covered under each of those tenets:
Collision: Covers the cost – up to your policy limit – of accidents with another vehicle or an object.
Liability: Covers the cost – up to your policy limit – of property damage, bodily injury, and legal expense to third parties if you are deemed to be at fault in an accident.
Comprehensive: Covers the cost – up to your policy limit – of damage to the RV because of a storm, natural disaster, vandalism, or theft.
In addition to these standard coverages, RV insurance policies can often be purchased with additional coverage like total loss replacement, vacation/campsite liability, and emergency expenses.
Working with a professional insurance company will help you find the perfect policy for your needs. At Advantage Service Insurance in Erie, CO, we strive to provide exemplary service to every customer by putting your needs first, learning about what you want in your policy, and customizing one to precisely what you want. Give us a call to schedule your no-obligation consultation today.