Your Colorado Springs RV Insurance Basics

colorado springs rv insuranceAre your weekends filled with outdoor adventures? Do you think a good time must include activities such as jet skiing, boating, and snowmobiling? If this sounds like you, then you need to look into obtaining your Colorado Springs RV insurance. If you are not familiar with this type of insurance, take a look at this basic overview.


Why is having RV insurance a smart choice?

There is virtually no difference between a recreational vehicle and your everyday car except the frequency with which you use it. Therefore, having insurance for your recreational vehicles is just as important as insuring your car. It acts as a layer of financial protection in the event of an accident or some other calamity. Similar to auto insurance, you have several options for your Colorado Springs RV insurance including:

  • Extensive specialty options
  • Knowledgeable agents
  • Multi-line discounts
  • 24-7 claims service


Insured products

RV insurance covers a vast array of vehicles. Since each vehicle type is different, each has its own special insurance attributes as well. Some of the vehicles that are covered under this type of insurance policy include:

  • Boats

Generally, boats that are 50 feet or less in length are eligible for boat insurance. Most insurance companies offer different levels of boat insurance from which you can choose the best one that fits your needs. Whether your boat is ready to take its maiden voyage or has been your trusty sea companion for years, you will surely find something to fit your needs.

  • Personal watercraft

Personal watercraft insurance covers water vessels other than boats. It is ideal for those who own Jet Skis, Waverunners, Sea Doos, or any other recreational watercraft.

  • Off-road vehicles

If your favorite pastime is cruising uncharted land on a dune buggy, snowmobile, dirt bike, golf cart, or ATV, you need to look into off-road vehicle insurance, as you never know when you might need it.

  • RVs and motor homes

RV and motor home insurance is ideal for those who love to camp in the great outdoors. Normal auto insurance typically does not cover RVs and motor homes, so having this type of insurance will ensure that you are covered if you should have an accident in one or if your property is stolen out of it.

  • Travel trailers

Normal auto insurance does not extend to travel trailers either. So, having a separate policy for it is essential if you want to have it covered.

  • 5th wheels

Your homeowner’s insurance will not necessarily cover your property if you are traveling with it. Further, a specified insurance policy will also cover you if you break down on the road. It’s a small piece of protection that offers a great deal of comfort.


For more information, contact an insurance agent today.