What is it?
Recreational Vehicles include several types of vehicles, and the coverage required varies accordingly. Motorhomes, campers and trailers can all be insured under RV Insurance. Depending on the insurance carrier, an RV may be added to an Auto Insurance policy or may be written on a separate RV Insurance policy.
- Liability (bodily injury and property damage): If you are determined to be at-fault in an accident, this coverage pays for the resulting medical bills or costs to repair the damaged property of the other party.
- Comprehensive: This coverage extends for damage to your vehicle caused by non-collision events, like theft, fire, or hail.
- Collision: If your vehicle is damaged in a collision, this coverage will pay to repair your vehicle.
- Uninsured/underinsured motorist: This coverage will extend for your injuries and the injuries of your passengers if you are not-at-fault in an accident but the other driver either flees the scene or does not have insurance. Underinsured motorist coverage will extend if the at-fault party has insurance with liability limits lower than yours and it is insufficient to cover your injuries.
- Medical payments: This coverage can extend to pay for injuries you or your passengers sustain in an accident, regardless of who was at-fault for the accident.
- Roadside assistance: This coverage varies by carrier, but generally extends for towing, fuel delivery, tire change, jumpstart and lockout.
- Vacation liability: This coverage extends similarly to the liability insurance on a Homeowners Insurance policy. If someone gets hurt in your RV (not from a car accident), this coverage will extend for their injuries or for damage you cause to their property.
How does it work?
- If you have a loss: Call us at (303) 597-1667 as soon as possible for claim assistance.
- If the RV is pulled behind another vehicle (such as a camper, 5th wheel, or trailer), the liability coverage extends from the vehicle pulling the RV. If the RV can be driven on its own, you need to have liability coverage on the RV.
- If you have an RV that is pulled behind another vehicle, the physical damage coverage (comprehensive and collision coverage) you have on the vehicle pulling the RV does not extend to the RV, but you can purchase those coverages for an RV.
- While some insurance carriers limit the number of days a year you can reside in your RV, there are some carriers that offer coverage for full-time use.
- The cost of RV Insurance is mainly dependent on the size and the value of the RV.