Everything You Need to Know About RV Insurance

RV on the road by mountains

Is there any better feeling than traveling from sea to shining sea in your own RV, seeing everything the beautiful country has to offer along the way? As RV owners, we all have one thing in common: a love for travel and an appreciation for the vehicles that both serve as our home away from home and a way to get us there.

Considering insurance for your RV doesn’t have to be a headache. In the post below, we’ll cover everything that insurance takes care of relating your vehicle – whether you’re exploring in a B Class motorhome or roaming in a 40 foot RV with all the bells and whistles. We’ll also discuss the cost to insure your RV and, for part-time travelers, whether you need insurance throughout the year. Your RV insurance experts at Centennial State Insurance Agency cover the details, so you can focus on your big adventure. Read on to learn everything you need to know about RV insurance!

Do You Need RV Insurance?

RV insurance is legally required in Colorado if you own a class A, B, or C recreational vehicle. A good rule of thumb is that if your state requires private passenger car insurance, it also requires RV insurance. 

Similar to regular car insurance, virtually all RV owners must carry, at minimum, a certain level of both liability and personal injury coverage. That said, how much coverage you are mandated to have varies by area.

The short answer is that while you’re probably legally required to carry RV insurance, carrying insurance on your RV is always a good idea. The piece of mind it provides is second to none. There’s no need to stress over the details on what exact type of coverage is required in your state. This is a task you can delegate to the RV insurance experts at Centennial State Insurance Agency.

What Does RV Insurance Cover?

Your typical RV insurance policy is largely similar to the car insurance you’re already familiar with. Policies items such as damage to your vehicle sustained in either an accident on the roadway or from an act of nature, like a falling object, water damage, and fires. You will also have potential protection in the event that you get into an accident with an uninsured motorist.

And, just like regular automobile insurance, you’ll have the option to add on “extras” to your policy for further protection. A more comprehensive RV insurance policy may cover benefits such as towing and roadside assistance, as well as coverage for the personal items you keep inside your RV if they are damaged or stolen.

How Much Does It Cost to Insure an RV?

You may be wondering: how much does it cost to get RV insurance? Or: Is RV insurance expensive? The answer might just pleasantly surprise you! It’s tempting to just assume that because RVs are larger than your car or truck, and have most or all of the luxuries and amenities of home, insurance on them will have to be enormously expensive. This mindset keeps RV owners from insuring their vehicles, which almost always leads to higher lump sum costs down the road.

Here’s the good news: insurers have a great attitude about RVs, and find that they are less risky than most other automobiles, and they may spend less overall time on the road than the average car. As a result, RV owners can potentially enjoy typically lower insurance rates than those seeking only to insure their personal car or truck.

Your premiums will be raised or lowered based on a multitude of factors, including your accident history, your credit score, and your overall driving record. Another important factor in determining cost, however, is the type and size of the RV you have. Class B RVs, which are smaller – less than 25 feet long – typically cost the least to insure. Class A RVs, typically identified by their large size and diesel engines, will generally cost a bit more each month.

You can easily find an estimate from Centennial State Insurance Agency for coverage for your RV. Use our quick and easy form online at any time to start the quote process. You can also check for a better rate on any number of other insurances you may need at the same time, including:

  • Automobile insurance
  • Condo or rental property insurance
  • Motorcycle insurance
  • Umbrella insurance
  • Workers compensation insurance
  • Home insurance
  • Renter’s insurance
  • Life insurance
  • Boat and jet ski insurance
  • Insurance for business owners
  • Insurance for contractors
  • And more!

Simply fill out your name and how we can contact you, as well as when you’d like your quote and if you have current insurance, and the experts at Centennial State Insurance Agency will get back to you promptly. At Centennial State Insurance Agency, we understand that each insured and their situation is different, and your needs are unique. As part of the quote process, you are welcome to leave any other information, questions or requests for our insurance consultants to review.

Do I Need RV Insurance Throughout the Entire Year?

If you’re wondering, “I’m only using my RV sometimes, is RV insurance worth exploring?” – the experts at Centennial State Insurance Agency can help. Requirements vary by state and according to whether the RV owner lives in the vehicle full time or uses it only for part-time trips. When the RV is your permanent residence for a stretch of time, insurance companies start to view it more as your home, and not just your vehicle – correspondingly, rates will be higher.

Centennial State Insurance Agency: Your Partner for RV, Boat, Motorcycle, and ATV Insurance.

At Centennial State Insurance Agency, we help individuals and families worry less about their insurance protection, so they can spend time on the things most important to them. Insurance might not be the first thing on your mind when it comes to fun, but when you need robust insurance for your toys, we will ensure your good time goes uninterrupted.

With our wide selection of products and carriers, we’re the only agency you need for all of your personal insurance needs. Contact us today by phone at (303) 838-0554, by email at info@centennialstateins.com, or, if you’re closer to the Denver, Colorado area, make an in-person appointment with us!

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Are you ready to save time, aggravation, and money? The team at Centennial State Insurance Agency is here and ready to make the process as painless as possible. We look forward to meeting you!

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