Recreational Vehicle Insurance

Q: Do I need separate insurance for my RV?

Yes. Your auto insurance doesn't adequately cover an RV. A dedicated RV policy covers the vehicle, personal belongings inside, living quarters, and provides vacation liability while you're parked at a campsite.

Q: Does RV insurance cover my belongings inside?

Yes. Unlike auto insurance, RV policies include personal property coverage for your belongings inside the RV — electronics, clothing, cooking equipment, and more. Coverage limits vary by policy, and we can help you set the right amount.

Q: Is there RV insurance for full-timers?

Yes. If your RV is your primary residence, you need a full-timer policy that provides coverage comparable to homeowners insurance, including personal liability, medical payments, and higher personal property limits.

Hit the road with confidence knowing your RV, camper, or travel trailer is properly covered — on the highway and at the campsite.

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RV insurance combines elements of auto and homeowners coverage because your recreational vehicle is both a mode of transportation and a living space. A standard auto policy doesn't account for the unique risks of RV ownership, and a dedicated RV policy fills those gaps.

RV insurance covers the vehicle itself, personal belongings inside, liability while driving and while parked, and the living quarters. If you have a motorhome, you need a policy that covers it as both a vehicle and a dwelling. For towable RVs, trailers, and fifth wheels, coverage coordinates with your tow vehicle's auto policy.

Colorado is one of the top RV destinations in the country, with campgrounds from Rocky Mountain National Park to the San Juan Mountains. We help you find coverage that protects your investment whether you're cruising I-70 or parked at a campsite for the season.

Key Features

Collision and comprehensive coverage for the RV itself
Personal belongings coverage for items inside the RV
Full-timer coverage available if the RV is your primary residence
Vacation liability — protection while parked at a campsite
Emergency expense coverage for lodging and transportation if your RV breaks down

Who Needs This?

Motorhome, Class A, B, or C owners
Travel trailer, fifth wheel, and pop-up camper owners
Full-time RV residents who need dwelling-level coverage
Seasonal RV users who want flexible coverage options

Ready to Get Recreational Vehicle Insurance Coverage?

Call 303-994-7814 or start your quote online.

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Recreational Vehicle Insurance FAQ

Do I need separate insurance for my RV?

Does RV insurance cover my belongings inside?

Is there RV insurance for full-timers?

Ready to Find the Right Coverage?

It takes less than 5 minutes to get started.

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