Do you want to get away from it all while still having all the comforts of your Lakewood, CO home? If so, you’re like the millions of Americans each year who take their vacations in a recreational vehicle (RV). Before you set out on the open road, check to make sure you have proper insurance coverage for your RV.

Does My Auto Insurance Cover My Rental RV?

Some insurance companies will issue a certificate of insurance for motor home coverage. If you already have an insurance package with rental car coverage it will cover a recreational vehicle, with an increase of physical damage limits. According to Bert Alanko, chairman of the Recreational Vehicle Renters Association (RVRA), insurers treat recreational vehicles differently than SUVs or passenger cars. Because RVs are an expensive investment, and their potential for extensive physical damage in the event of a collision means that the regular coverage minimums for passenger cars are too low. In addition, often many RVs are operated by people who aren’t used to navigating with the extra size and length, insurers believe they are at more of a risk for accidents. Remember that getting into a minor fender-bender in a recreational vehicle could cost upwards of $5,000, instead of $500 or $600 for a similar accident in a passenger car, and towing is more expensive as well. .

Does My Homeowners Insurance Cover My Rental RV?

While it is true to some degree that your personal property in your motor home is covered under their home insurance policy, typically your home insurance coverage is limited if the property is being kept somewhere other than your Lakewood CO "residence premises," such as in a vehicle. Your auto and homeowners policy may not cover such items as plumbing, appliances or personal accessories. If you don’t have RV insurance, you may have to pay out of pocket for any damage to the vehicle or loss of the contents.

For more information about securing proper RV rental insurance to cover theft, fire, vandalism, natural disasters and collision, talk to Colling Insurance Services, Inc. today. At Colling Insurance Services, Inc., we offer RV-specific insurance policies that will cover your rental RV, its contents and the unique risks specific to motor homes.

Colorado state law requires the owners of all registered vehicles, including motorcycles, to comply with the financial responsibility law. This law ensures that if an insured individual causes an accident, they have the means to pay for any damages or injuries that occur. Maintaining motorcycle insurance is one-way people to do this.

Colorado Motorcycle Insurance Requirements

Every motorcyclist must carry the following coverage types:     

• bodily injury
• property damage

Call your Colling Insurance Services agent today to find out more about basic coverage in Lakewood, CO.

Optional Coverages

When shopping for motorcycle insurance coverage, you may wonder about events that aren’t included. For example, basic liability coverage covers bodily injury and damages for other people, but may not cover you or your bike. What would you do if an uninsured motorist hit you? Would you be able to afford repairs caused by a fire or act of nature?

You should know what optional motorcycle insurance is available.

•     Collision insurance pays for motorcycle repairs following an accident.
•     Comprehensive coverage covers motorcycle damages as a result of theft, fire, vandalism or natural disasters.
•     Medical coverage helps to pay for injuries caused by an accident.
•     Towing and labor coverage provides emergency road side assistance and towing.
•     Uninsured/Underinsured motorist insurance covers you when the person who caused the accident doesn’t have insurance.

At a minimum, you should make sure that your insurance covers you in case of an injury. Due to the vulnerable nature of motorcycle riding, you are much more likely to be critically hurt. Consider medical and uninsured motorist insurance to make sure you can pay for the care you need.

In you use your bike as your main source of transportation, an accident can impact your livelihood. In this case, or if you have a very valuable bike, you should consider comprehensive and collision coverage. Consult your Colling Insurance Agency, Inc. represents to determine the coverage best suited to your needs.

Contact Colling Insurance Services

Call us today at 303-987-3331 for more information on how optional insurance in Lakewood, CO can help you protect yourself and your family against potential losses. You can also visit us online at Collinginsurance.com.