Recreational Vehicle Insurance in Denver, CO

Purchasing a recreational vehicle (RV) can be an exciting investment, whether taking a cross-country road trip or using it as your primary residence. However, like any vehicle, RVs can also be involved in accidents or incidents leading to unexpected expenses, making RV insurance essential.

What Does RV Insurance Typically Cover in Terms of Damage and Liability?

RV insurance is distinct from car insurance and may help protect you financially from covered incidents involving your RV. The following are basic coverages that may be available to protect against damage and liability claims:

• Bodily injury liability coverage may help pay the medical bills and lost wages of others whose bodily injuries you caused while driving your RV.
• Property damage liability coverage may help pay for property damage you caused to others while driving your RV.
• Collision coverage may help cover damage to your RV in the event of an accident, regardless of who is at fault.
• Comprehensive coverage may help cover noncollision damage to your RV, such as theft, vandalism or weather-related damage.
• Uninsured/underinsured motorist coverages may help pay your medical or repair bills if you are in an accident with someone who doesn’t have insurance or doesn’t have enough insurance to cover the damages.

Can RV Owners Get Roadside Assistance Coverage Through Their Insurance?

Many RV insurance providers do offer roadside assistance as an additional coverage option. This may include assistance for the following:

• Tire change
• Lockouts
• Towing
• Gas delivery
• Battery recharge

Speak with your agent or insurance provider to understand the details of the services included in your plan. For instance, the insurer may limit how many roadside assistance incidents are included annually.

Are There Add-ons or Optional Coverages Available for RV Insurance Policies?

Aside from roadside assistance, some add-ons or optional coverages may be available for RV owners depending on the insurance provider. Some of these options include the following:

• Personal property and attachment coverage may help cover the contents of your RV, such as your furniture, electronics and other personal belongings.
• Full-time RV coverage typically offers higher coverage limits for personal liability and third-party medical claims. This coverage works similarly to a homeowners policy and is intended for those who use their RV as a primary residence.
• Safety glass replacement coverage may help repair or replace a damaged windshield.
• Vacation liability coverage may help provide protection if an accident occurs while the RV is parked and used as a temporary residence.
• Pet injury coverage may help cover vet bills if your pet is injured in an accident while in the RV.

Choosing the Right RV Insurance

It’s vital to speak with a licensed agent about the type of RV you’re insuring and how you intend to use it to ensure you have an all-encompassing policy. Contact Hammer Agency to discuss RV insurance options. We can make recommendations for your RV and situation.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.