Our Colorado RV insurance policies provide tailored coverage against the unique risks recreational vehicles face.
A Colorado RV insurance policy typically has higher coverage limits since your RV is valuable, can cause more damage in an accident, and it is more costly to repair than smaller vehicles.
Full Replacement Cost for RV & Contents
Your policy can also provide the ultimate coverage that a standard auto insurance policy can’t match; full replacement cost for your RV and its contents. Auto insurance policies usually have very low limits for contents which will not cover the items you stow in your RV.
A Colorado RV insurance policy also has ample liability coverage should you injure someone in an accident, they hurt themselves in your RV, or you accidentally damage someone else’s property while staying in a park or campsite.
You may also want to include collision and comprehensive coverage to pay for repairs and to protect your investment from perils such as theft, fire, vandalism, and more.
Protection from Uninsured/Underinsured Motorists
Other important options include uninsured/underinsured motorist coverage. If you’re hit by a driver who either doesn’t have insurance or they didn’t buy enough coverage they can’t cover legal and medical bills for you and your passengers. Unfortunately, 13.3% of Colorado motorists drive uninsured. Many more drive with far less coverage than they need.
State minimums are only $25,000 per person for bodily injury, $50,000 per accident for bodily injury and $15,000 per accident for property damage it’s easy to see how quickly a poorly insured driver can surpass their policy limits.
You can also buy medical payments coverage which pays for treatment for you and your passengers, even if you’re responsible for the incident.
Protects Specialized Equipment
Adding your RV to your car insurance isn’t a good option since your RV has specialized equipment. Kitchen and heating appliance, plumbing, electronics, a costly satellite dish, awning, stairs, and other bells and whistles cost plenty to repair or replace. Without the proper coverage, you’ll be paying much more out-of-pocket.
Takes Care of You in An Emergency
Unfortunately things can go wrong, but with the right Colorado RV insurance policy in place, you won’t be left stranded. It provides roadside assistance and towing to a qualified mechanic. Otherwise, you’ll pay the steep cost of a heavy-duty tow truck and plenty for mileage if you’re stuck out in the middle of nowhere.
If you’re lucky the repair shop might have the parts, but that’s not likely with so many makes and models. It might take days to get you back on the road, and you’ll need lodging. Luckily, you can include coverage for emergency expenses in your RV insurance policy.
Ultimate Protection When You Live In Your RV
RV coverage is a must for people who live in their RV year-round. It provides a liability limit rivaling a homeowner’s insurance policy so you’re protected from the costs associated with a lawsuit. It can also protect the belongings you store when you decide to take your RV on the road.
Owning an RV should be a fun experience. Instead of worrying about whether or not you’re protected, talk to us at Young Insurance.
We’re friendly and knowledgeable and we’ll explain your options in simple language. We work for you, not the insurance companies, and access many carriers to find the one that offers the most value and protection for your RV lifestyle.
Contact us – we’re here to help.