RV Insurance in Denver - Protect Your Vehicle

Compare RV insurance quotes from multiple insurance companies in Colorado. LA Insurance will help you find the best and most affordable insurance coverage for your RV!

Compare RV Insurance Quotes from LA Insurance of Colorado

Offices in Colorado Springs, Lakewood, Arvada, Longmont, Aurora, Colorado Springs, Denver, and Thornton, CO

Your recreational vehicle (RV) is more than a car, but it’s not quite a house. This can make it challenging to find the right coverage for your home on wheels at a cheap rate. RV insurance is different than car insurance. That’s why motorhomes, travel trailers and campers need custom coverage. Our RV insurance gives you many of the same benefits you get with car insurance coverage, but includes more protection based on the unique risks that RVs face.

That’s where L.A. Insurance can help. Whether you need RV insurance, motorhome insurance or trailer insurance, L.A. Insurance of Colorado offers specialized protection for your home away from home.

With an L.A. Insurance RV Insurance Policy, you and your recreational vehicle have protection wherever your journey takes you—on the road, at a campsite or park, or heading to a vacation destination. And if your motorhome or travel trailer is your permanent residence, our full-time RV insurance package offers coverage similar to what you'd find on a homeowners policy, including personal liability and loss assessment.

To learn more about what RV insurance coverage you should get, stop by one of our Colorado locations listed below:

What Does RV Insurance Cover?

L.A. Insurance Cheap RV Insurance In Colorado

Getting the best rate or the right insurance coverage for your RV is much easier than changing a flat tire. Keep these tips in mind before you start your quote:

Look up your RV's value: Knowing your RV's value helps determine how much coverage you need. Contact one of our friendly L.A. Insurance representatives for tips on how to check your RV's value.
Pick the coverages that fit your needs: For example, if you travel with expensive items like a laptop or camera, consider personal effects to protect against damage to your belongings.
Remember safety first: Clean driving can help lower your RV insurance costs.

Get a quote for your RV or travel trailer today and see how much you'll save while getting the coverage you need.

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RV Insurance Typically Covers

Fire Department
Emergency Expense
Vacation Liability
Personal Effects
Windshield Protection
Roadside Assistance
Physical Damage Protection while in Mexico

What Types Of RV Insurance Does L.A. Insurance Offer?

Liability Coverage

Liability coverage ensures that any damage you cause to someone else’s property or vehicle is covered. For simplicity, it's broken down into bodily injury and property damage limits, just like your auto. Bodily injury limits are specified on a per person and per accident basis whereas property damage coverage is on a per accident level only.

Comprehensive & Collision Coverage

Like your car, collision and comprehensive insurance pay for physical damage to your RV. Collision refers to damages that occur when your RV hits another vehicle or fixed object. Comprehensive, sometimes called "other than collision," covers incidents like theft, animal collision, falling objects and vandalism.

Uninsured Motorist Coverage

This extends to your RV in the event of an accident where the other party either does not have insurance or does not have enough coverage to pay for all of the injuries they caused in an accident. Uninsured or underinsured motorist coverage is broken down similarly to liability, using a split-limit format where the coverage amounts correspond to a per person/per accident limit.

Why Trust L.A. Insurance of Colorado With Your RV Insurance?

L.A. Insurance has been around since 1992, and since then, we've expanded our operations to cover a large part of the country. Don't mistake us for a large corporation, however; we're a franchise of individually owned, independent agencies, so you can be sure that you get the best prices from the best providers when you work with us.

Turn to us today for the RV insurance you need in Colorado. Call us at (720) 996-9696.

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RV Insurance Frequently Asked Questions

Recreational vehicle insurance comprises many of the same aspects as renters and auto insurance, but it comes with its own quirks. Typically, insurance companies won’t allow RV owners to add their recreational vehicles to personal auto policies. In order to get complete coverage, you should purchase a separate policy for your RV.

Recreational vehicles, or RVs, include a wide range of motorhomes, from camper vans to bus conversions, organized by Class A, B, or C. Your RV insurance will depend on the class of your vehicle, how much you use it, whether you live in it full time, and other factors. The classes of RV include: Class A: This class includes models such as the luxury coach, converted bus and motor coach. These vehicles can be up to 75 feet long. Class B: This is the smallest class of recreational vehicles. These vehicles do not have a cab-over, and can also include cargo van type designs, travel trailers, and camper vans. Class C: This group includes vehicles that use a standard cargo van as the driving portion of the RV and the camper portion extends over the cab area. This class covers fifth wheel vehicles.

The cost of RV insurance varies widely. Your RV insurance policy's premiums depend on several key factors, like:

Whether your RV is a Class A, B or C model. Class A is the most expensive coverage followed by Class C, while Class B RVs are the least costly to insure.
Whether you use your RV occasionally or if you are living in the RV full-time.
Your driving history and record of accidents or past claims.
The limits you set on your policy, as well as the deductible amounts. Your overall costs would be lower if you chose high deductibles, but you'd also have higher costs to pay out of pocket if you had to file a claim.
The additional riders or added coverage you add, such as coverage for your personal belongings, towing and roadside assistance coverage, etc.

Seguro Para Vehiculos Recreativos (RV)

Su vehículo recreativo (RV) es más que un automóvil, pero no es exactamente una casa. Esto puede hacer que sea difícil encontrar la cobertura adecuada para su hogar sobre ruedas a un precio económico. El seguro de RV es diferente del seguro de auto. Es por eso que las casas rodantes, los remolques de viaje y los campers necesitan una cobertura personalizada. Nuestro seguro de RV le brinda muchos de los mismos beneficios que la cobertura de seguro de automóvil, pero incluye más protección en función de los riesgos únicos que enfrentan los RV. Ahí es donde L.A. Insurance puede ayudar mejor que nadie. Ya sea que necesite un seguro de RV, seguro de casa rodante o seguro de remolque, L.A. Insurance of Colorado ofrece protección especializada para su hogar lejos del hogar.