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As an RV owner, insurance requirements will vary depending on your RV type. It’s essential to familiarize yourself with state laws and talk to an insurance representative to get the coverage you need and want. Our Littleton, CO team at Front Range Insurance Services is committed to helping RV owners get the necessary coverage.
What is Recreational Vehicle (RV) Insurance?
RV insurance covers damage or injuries to other people, their property, and vehicles. RV insurance will also cover damage to your recreational vehicle and injuries you may sustain. As with any insurance, you will have options depending on your RV use. Usually, the frequency of use and how it’s used helps determine the best coverage for you. Recreational use versus full-time use is usually a determining factor in the type of coverage you should invest in.
I have a 5th wheel. Do I still need recreational insurance?
Typically, motorized recreation vehicles require liability insurance because they can be driven like a car. A motorized RV is like a car because it’s a moving vehicle. Colorado requires all motorized RVs to be insured with at least auto/RV liability insurance. However, your 5th wheel must be towed. Although you’re not required to carry RV liability insurance for a 5th wheel, investing in travel trailer insurance may be a good idea because your car’s insurance may not cover damage to your 5th wheel if it’s damaged while being towed. If you have questions regarding the best insurance for your 5th wheel or RV, call us. We’d be happy to answer all of your questions.
