RV storage is a regular part of owning and RV. Unless and RV owner has a big spread of property and a sizable driveway, or a back barn area as some do on a rancher type plot, storage of an RV in a rental facility is going to be the more likely solution. Some neighborhoods are very picky with their HOA rules and restrictions, so owners have no choice but to utilize a storage place for parking and RV when not in use. That in turn raises a number of risks.

Parking an RV for an extended period of time in a remote location makes it a target, especially if not registered. Local thieves are well aware that RVs often travel with an assortment of appliances to make it a "home away from home." Those appliances then become valuable for a thief to help himself to, and parked RV theft is unlikely to be reported right away. So it’s an ideal situation for a thief.

The extent of coverage that will be provided by an RV insurance policy depends heavily on whether the RV owner chose an option that included personal damage and loss. Not every insurance policy does so, and lower cost plans tend to leave out personal loss and focus more on just liability. So it’s important for an RV owner to read his current plan carefully before storage and, if additional protection is needed, get the current plan amended or initiate a new, replacement policy. Trying to solve this issue after an RV has been stripped is going to end up being an out-of-pocket loss.

RV owners in the Lakewood, CO area can easily get good advice on storage risk and other issues specific to RVs from Colling Insurance Services Inc. Our agents are well versed on RV property loss issues, storage resources, and how property insurance works for an RV owner. Call us to find out more.

If you are wondering about umbrella insurance and are in the Lakewood, CO area, come on into Colling Insurance Services, Inc. and you will find friendly and knowledgeable agents ready to answer all of your questions. 

In the meantime, here is a quick look at some of the things that it might do for you.

• Bodily Injury – If you happen to cause injuries in a vehicular accident and their medical bills go over the limits of your vehicle insurance, having an umbrella policy can ensure that you don’t pick up the tab.  Also, say you have an electrician doing some work in your home and they fall and injure themselves on your property.  Your homeowner’s insurance should take care of their medical bills but in the event that their bills exceed the limits of your policy, an umbrella policy can step in here and pick up the difference.  Even if you are out for a walk with your dog and he bites someone, the umbrella insurance policy is good for that too.
• Property Damage – If there is a car accident involving property that gets damaged, your umbrella policy will pick up what the auto insurance policy doesn’t.  It also covers other things that might not be covered by an auto or homeowner’s insurance policy.
• Legal Damages – If you happen to be sued for slander or libel, this type of policy can protect you.  It can also be helpful in instances of violation of privacy, false arrest, or even malicious prosecution as well as a few other civil issues.  It can also take care of legal fees if you are involved in a lawsuit. 

For these reasons and more, it is essential that you have a great umbrella insurance policy.  Stop by Collin Insurance Services, Inc. today to find out more.