Colorado Recreational Vehicle Insurance

In many instances, RV’s covered under auto policies are not adequately covered. One misconception RV owners have is that the personal property in their RV will be covered under their homeowners policy. This is true, but, coverage on personal property is limited when the property is kept somewhere other than the “residence premises.” Often the limit in a standard policy is very low and the usual policy deduction would apply.

To insure proper and adequate coverage, a RV owner should add separate Colorado Recreational Vehicle Insurance coverage to their current auto policy or secure a policy specifically for RV’s.

If the Colorado Recreational Vehicle owner’s insurance carrier does not have this type of coverage available, there are insurance companies that specialize in RV coverage. Usually the cost is minimal, especially compared to the alternative of finding out the RV and it’s possessions are not covered after a loss occurs.


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Tips When You Hit The Road:

Travel Check-ups

Before your trip, make sure you get a complete travel check-up for your RV including inspection of all belts and hoses, headlights, tires, and turn signals. Also don’t forget to make sure the towing hitch, fire extinguisher and smoke alarms are in working order.

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Cooking vent hood is clean

Other good before trip tips are to make sure your cooking vent hood is clean to help avoid fires and to make sure you leave your trip plans and phone numbers with a relative or friend.

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Plan for emergencies

Finally, it is important to go over with everyone on the trip basic emergency procedures.

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No policy changes can be made via voice mail or email. You must speak with a live DCInsurers Agent or Authorized CSR.

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