RV Insurance Colorado

A Wide Variety of Insurance Coverage Including the Following

  • Class A Motorhomes Insurance Coverage
  • Class B Motorhomes Insurance Coverage
  • Class C Motorhomes Insurance Coverage
  • Travel Trailer Insurance Coverage
  • Fifth Wheels Insurance Coverage
  • And Much More!!!

If you’re searching “RV Insurance Colorado“,”Recreational Vehicle Insurance”,“Motorhome Insurance” Overland Insurance Agency can help! We have the most economical RV Insurance packages Colorado has to offer. Receive a free Colorado RV Insurance quote by giving us a call today at 1-800-677-4027.

What exactly is Motorhome (RV) Insurance?

Most RV owners will have complex coverage requirements. This is because RVs have to have vehicle coverage when they are being driven and they also need to have a homeowner type of coverage when using them full-time. RV insurance will have both types of insurances all in one package. It will also offer various coverage options like full-timer liability insurance which is designed for those living in their RV owner. Some RV insurance companies will offer a different of coverage options, which will enable many Colorado RV owners to build a policy that is a perfect fit.

Affordable RV Insurance Policy in Colorado

When it comes down to getting RV insurance, many owners of RVs in Colorado will have as many insurance coverage options as they do camping grounds. From lakeside campgrounds to RV parks along the Continental Divide, RV owners are able to enjoy various vacation locations, without having to leave Colorado. Insurance coverage for these homes on wheels can be quite expensive, so it is essential that any RV fanatic in Colorado compare RV insurance quotes and policies before they make their final decision on what coverage to go with.

Advantages of Owning a RV

  • There are more than 200 RV parks in Colorado.
  • Families can enjoy quality time together when vacationing in an RV
  • Over 70% of RV owners have said that they make family vacations more economical
  • Traveling by RV reduces exposure and health risks that you could catch from planes, hotels, and trains.
  • There are 1000’s of RV campgrounds all over the U.S.


Ronald Jarvie is a Nationally Certified Insurance Counselor Agent Since 1995!

What type of Coverage is included in RV Insurance?

RV insurance policies will offer different types of coverage. First of all RV are technically vehicles. There are some things that you should expect to be included within your RV policy that will include these types of coverage options that are vehicle related including the following.
  • Collision Coverage – This will cover the necessary repairs or replacement of your RV if you are in a vehicle collision, no matter who is at fault.
  • Vehicular Liability Coverage – This will cover the cost if a third party has injuries or damage to their property because you are at fault. Because an RV is rather large and heavy, there could be lot of damage in a collision. You need to have liability coverage that is over the minimum requirements for Colorado. You may even want to supplement your policy with umbrella insurance.
  • Roadside Assistance – This will cover the price of towing from a professional RV towing company if your RV becomes inoperable when you are traveling.
  • Comprehensive Coverage – This will cover you against loss or damage that was caused by non-collision related events like theft, fire, weather, falling objects, etc.
  • Campsite Liability Coverage – This is sometimes called vacation liability insurance and is comparable to full timer liability coverage but covers a shorter time period. You can buy this coverage for when you are living in your RV at a campground during a 2-week vacation or the like.
  • Full-Time Liability Coverage – This is for those that live in their RVs for a number of months out of the year or year round. It provides similar liability coverage like traditional home owners insurance.
  • Contents Coverage – This will cover your personal possessions that is inside of your RV against loss, damage or burglary. This includes items such as clothing, décor, built in appliances, electronics and cookware.

What types of RVs does RV insurance cover?

RVs come in multiple styles and types. Even though they are referred to as RVs, these are not considered motorized vehicles, towable campers and 5th- wheel trailers, so they will require trailer insurance rather than regular RV insurance. The types of RVs that need to be insured with RV insurance in Colorado will include the following.

Class A – These RVs look like large buses and are usually considered to be the cream of the crop of RVs. They may contain unique amenities like bedrooms, space for laundry, bathrooms, kitchen, and a/c, heater control. They range between 24 and 40 ft long and can weigh between 15,000 to 30,000 lbs.

Class B – This is the smallest class of RV. They have very close living quarters, are very affordable and can be navigated easily. They commonly look like vans and some RVs may feature pop-out or pop-up camper that help to expand the size of the overall living space.

Class C – These RVs look like a truck and are very similar to a Class A RV when it comes to its comforts, but they have a smaller living area. But unlike the Class A, a Class C RV will have a separate driving compartment that have an overhead bunk over the truck cab. These types of RVs will weigh between 10,000 to 15,000 lbs.


There are several details that need to be considered when calculating a RV insurance quotes, like the following. Usually, the average rates will start around $800 yearly for a Class C RV and will go around $4000 yearly for a Class A RV. Because RV insurance rates will vary significantly from every insurer, it is best that you acquire at least 3 types of RV insurance quotes before you finally select what type of policy you need.

  • The number of miles you are anticipating to drive yearly
  • The type of RV you own such as Class A, Class B or Class C
  • The RV Purchase price, make, model and year of the RV
  • Your driving record, credit score and insurance claims history
  • The amount of your deductible and coverage being purchased
  • How long and how frequently you will use your RV as a home

Get Several RV Insurance Quotes in Colorado

Shopping around for comprehensive and affordable RV insurance takes time and can be hard. Fortunately, if you decide to work with an independent agent at Overland Insurance Agency, this will be much simpler. Your local agent will be able to answer your questions about the various RV coverage options and can help to pick the right coverage needs and then work with different insurance companies to give you a choice of policies that you can pick from. There are several Overland Insurance agents that have offices in Colorado. You will be able to find and contact an Overland agent near you to learn more about RV insurance and to begin comparing your RV insurance quotes.


There are several Overland Insurance Agents in Colorado. Contact an agent in your area and start comparing insurance quotes. Receive a free Colorado RV Insurance quote by giving us a call today at 1-800-677-4027.