When it comes to RV’s and other campers that you use to recreate, there are some specific insurance considerations that you need to keep in mind. Though it might seem simple enough, RV insurance is not something that everyone can understand clearly and it may cause some issue when finding the policy that is going to be right for you. For those that live in the Arvada, CO area, the agents with Alliance Insurance Services can help you determine what insurance coverage is going to be right for you no matter what sort of RV you have.
A great place to start is to look at whether or not your auto insurance is going to cover your RV should it become damaged or destroyed while on the road. There is a simple way to answer this question. For starters, those RVs that can be towed behind a vehicle are going to be covered on your auto policy as they are not vehicles that can be driven on their own. They are instead vehicles that are reliant on your car to be able to move. This means that they can be considered an extension of your car and can be covered on your simple auto policy.
If you have an RV however that can drive on its own, you may want to have a separate RV policy to cover the RV without having to tack it onto your auto policy. In many cases, your RV is going to be covered just find on your auto policy and you may not need to worry about having a separate policy. In any case, if you live in or around the Arvada, CO area, the agents with Alliance Insurance Services are going to be able to answer any questions you may have and create the perfect RV or auto policy.