Your RV (recreational vehicle) provides you with safe travels and fun times as you explore both new and familiar places. Make sure you protect your investment by adequately insuring your RV. You do that with your RV insurance policy, which applies to vehicles like motor homes, travel trailers and fifth wheels. Here’s what you need to know about this essential type of coverage that is like a mix of automobile insurance and home insurance all rolled into one.

What RV Insurance Covers

As is true for any insurance, RV insurance has specific things it covers. They include:

– Your personal belongings inside the RV, such as if they are stolen
– Any special equipment such as generators and appliances
– Roadside assistance services, such as towing
– Replacement cost of the vehicle if necessary, depending on various issues like the age of the RV
– Liability at a campsite
– Collision and comprehensive for problems like theft, flood and fire
– Protection for accessories that are permanently attached to the RV 
– Accidents such as if a guest slips and falls in the RV

Additional Covered Items

Although that list of what’s covered under RV insurance is long, there are still more items that are popular to add to RV insurance coverage. They include:

– Repair of awnings on sides of the RV
– Coverage of injuries and property damage, which can be included under trip insurance coverage
– Injuries to pet in the RV
– Damage to trailers or golf carts being towed behind the RV

Now that you know about RV insurance and what it covers, it’s time to make sure you have the proper RV insurance coverage. If you need insurance for your RV, we at Colling Insurance Services Inc. serving Lakewood, CO can certainly help. Give us a call today so we can explain the options.