We offer recreational vehicle insurance in Colorado Springs for 5th wheels, trailers, RVs, motor homes, ATVs, golf carts, dune buggies, jet skis, boats (sailboats, speedboats), and more. At Mikeal Taylor Insurance Agency, we proudly serve hundreds of people like you who want the best coverage at the right price.
Recreational vehicles by definition are designed for fun. However, that doesn’t mean they don’t need to be insured. You do need coverage for your recreational vehicle. Otherwise, if something happens to it, your investment is lost. Since recreational vehicles aren’t cheap, it’s important that you protect yours.
Let us make this easy for you. Simply request a quote to insure your recreational vehicle(s). Review the quote. We are confident you will find that we not only have competitive rates, but our customer service is hard to match.
Learn More: Types of Recreational Vehicles Typically Covered:
Of course, each insurance company differs slightly on what types of recreational vehicles they cover. Typically, the following are covered by most insurance companies:
- 5th Wheel: This is a type of trailer that you can camp in. Because it’s on the smaller side, many owners assume it doesn’t need its own coverage. However, you do need specific coverage for your 5th wheel.
- Travel Trailers: This is a larger trailer used for camping. It also needs its own coverage, even though you attach it to your vehicle, which is covered.
- RVs or Motor Homes: This is of course another camping option. It is not pulled behind your other vehicle. Instead, it has its own steering wheel and you can drive it wherever you want to go. As such, you need certain recreational coverage to keep your investment safe.
- Off-Road Vehicles: These are the really fun vehicles. The off-road category includes things like ATVs, golf carts, dune buggies, dirt bikes and snowmobiles. You for sure want coverage on these vehicles, because they are easy to wreck and frequently stolen.
- Personal Watercraft: These are water vehicles smaller than a boat. This category usually includes things like sea doos, wave runners and jet skis. You do need separate coverage on these types of watercraft, even though they are smaller than a boat.
- Boats: The amount of coverage you will need for your boat depends on its size, value and style. We at Mikeal Taylor Insurance are happy to help you determine the amount of coverage you need on your boat.
What Does Recreation Vehicle Insurance Cover?
The following is a breakdown of each type of insurance mentioned above and what it covers:
Motorcycles:
We have specific insurance for motorcycles. However, some bikes may fall under recreational vehicle coverage if they are not a standard street bike.
5th Wheel Camping Trailers:
Comprehensive coverage on 5th wheels protects against the following:
- lighting
- theft
- low overhanging branching
- hail
- animals
- windstorms
- collision
- landslides
- floods
- smoke
- fire
- vandalism
- protection for TV antennas, satellite dishes, awnings
- optional coverage offers even more protection
Travel Trailers:
Comprehensive coverage protects against the following:
- accidental loss
- lightning
- theft
- overhangs or low branches
- vandalism
- damage from animals
- windstorm
- hail
- landslide
- flood
- smoke
- fire
- collision
- coverage for attached accessories, like TV antennas, satellite dishes and awnings
- optional coverage can give you even more protection
RV or Motor Home Insurance:
Comprehensive coverage includes protection against:
- lighting
- theft
- overhangs
- vandalism
- animals
- windstorm
- hail
- landslide
- flood
- smoke
- fire
- collision
- protection for accessories like TV antennas, satellite dishes and awnings
- optional coverage offers even more protection
Off-Road Vehicles:
Typical coverage of off-road vehicles includes the following:
- coverage for collision
- coverage for incidents other than collision
- liability coverage
- coverage for medical payments in the event of injury
- apparel coverage for safety gear, such as helmets and goggles, up to around $1,500
- optional add ons include an increase in liability coverage and protection for transport trailers
Watercraft And Boat Insurance:
Boats are big investments. Therefore, if you own one, you need to have good insurance coverage. The following are some types of coverage you can get on boats or other watercraft:
- coverage for collision
- coverage for an incident other than a collision
- liability coverage
- coverage for medical payments in the event of an injury
- coverage for safety apparel up to around $1,500. This would include goggles or helmets
- optional add ons can increase the amount you have on liability and cover trailers or sleds
How Does Recreational Vehicle Insurance Work?
Recreational vehicle insurance works much the same as any other kind of insurance. You contact us once something occurs, and our team will work with you to get your vehicle restored or replaced.
Who Needs Recreational Vehicle Insurance?
Anyone who invests money in a recreational vehicle needs to insure it. The more expensive the investment, the more coverage you will need. Also, don’t underestimate the importance of having liability coverage. You need to protect yourself if someone is hurt while on your vehicle.
How Much Coverage Do You Need?
Again, this amount will vary. It will depend on how often you ride or drive your recreational vehicle. It will also depend on your vehicle’s value. We at Mikeal Taylor Insurance Agency are happy to talk to you. We can easily determine how much coverage you need, and create a plan that’s perfect for your needs.
What Does Recreational Vehicle Insurance Cost?
This number will range substantially based on what state you live in, how much you use your recreational vehicle and its value. However, typically, insurance for a motor home can range anywhere from $500 to $3,097 yearly. Boat insurance will range anywhere from $300 to $1,000. Of course, the more valuable the boat, the more you can expect to pay for coverage. ATV insurance is usually around $350 a year. To find out exactly how much you can expect pay for your recreational vehicle, give us a call at Mikeal Taylor Insurance Agency.
Tips to Save Money on Recreational Vehicle Insurance:
There are a few ways you can save on the cost of your recreational vehicle policy. Some of these are listed below:
- Having more than one policy with us.
- Having a good credit score.
- Using a safety course discount.
- Discount for having recreational vehicle insurance in the past.
- Not making many claims against your policy.
- Ask us. We can usually find some discounts for you if you just ask. We are happy to work with you to make your experience buying recreational vehicle insurance as easy and cost effective as possible.
How Do You Get Recreational Vehicle Insurance?
Our number one priority is to help you buy the right insurance in Colorado Springs. Contact us at Mikeal Taylor Insurance Agency. Our team is ready to help you create the right insurance plan for your recreational vehicle.