If you are considering buying an RV, it helps to understand the similarities and differences between RV and auto insurance. RVs are not just bigger than cars. They differ in ways that require additional forms of insurance. RV insurance is more complicated than auto insurance, so working with an agent who will tailor the coverage to your needs is essential. Our Laine Insurance team arranges RV coverage for many Colorado customers, so contact us to experience our outstanding service.
RV and Auto Insurance Compared
Colorado law requires self-powered RVs (Class A, B, and C motorhomes) to carry the same minimum liability insurance coverage as automobiles. Those requirements include:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property liability: $15,000 per accident
Many RV owners carry higher bodily injury liability coverage because RVs carry more people than cars and cause more damage when at fault for an accident. Higher liability coverage protects owners should an accident occur.
RV insurance includes other elements that resemble parts of a home insurance policy. Examples include:
- Vacation Liability: Combines bodily injury and property damage coverage for people in and around your RV when it is parked
- Personal Property and Attachments: Insures appliances, clothing, and household items in and around your RV
- Homeowners Association Fees: Pays RV HOA charges resulting from common area damages
- Roadside Assistance: Most auto roadside assistance plans do not cover RVs due to their size
- Temporary Lodging: Pays your living expenses while your RV gets repaired while traveling
Insuring Your RV With Laine Insurance
The friendly team at Laine Insurance serves clients throughout the State of Colorado. We will gladly help you obtain the RV or other insurance coverage you need, so stop by the office or call us today at (719) 696-7923.