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MAY 2018 BLOG
RV’s, and Campers, and Trailers Oh, My!
Now that things are heating up here in Colorado, it’s likely that you are breaking out your recreational trailers and vehicles. As you clean and prepare your home away from home, don’t forget another facet of preparation – insurance.
You may be asking yourself, “What type of insurance should I get”? Well, RV’s or motorhomes that have motors and are not towed behind a vehicle require coverage just like a car would. The policy itself will have elements like a standard auto policy, including bodily injury liability coverage, uninsured and underinsured motorist coverage and deductibles. Oftentimes, there will be the option for roadside assistance or even glass or windshield coverage. Most carriers we work with offer optional coverages such as emergency vacation expense, which provides you with alternate lodging and transportation if your RV is damaged during a trip, as well as special coverage for your personal belongings while they are in your RV.
What about travel trailers, toy haulers and fifth wheels? With these pull-behind recreational trailers you will typically find that the liability coverage will extend from whichever vehicle is towing it. While it may be covered liability-wise that doesn’t mean that there will be any coverage for repairing damage. Should you get in an accident or suffer a loss from a hail storm, an insurance policy will help take care of the costs associated with repairing your trailer. Comparable to RV policies, you will have options to add comprehensive coverage, collision coverage, roadside assistance, glass and vacation liability.
Utility trailers are also eligible for coverage, like travel trailers, liability coverage will extend from the vehicle pulling the trailer. If you would like physical damage coverage for your utility trailer, you can insure it as well, and for a nominal fee for the year.