RV/ATV Coverage

RV insurance can protect your motorhome, travel trailer, camper and even your horse trailer., while all-terrain vehicle coverage protects your ATV and UTV. Here at Aspen Insurance Agency, let us help you select the right coverage for your RV/ATV needs and get a great price at the same time.  

RVs that are for personal, recreational use can be insured for up to 250 days per year.  This gives you plenty of time to travel south and enjoy some warmer winter weather or that extended vacation. 

Liability coverage  

Liability coverage provides you with bodily injury and property damage coverage, medical payments, uninsured coverage and more. Coverage varies by state. 

You may be able to choose how your Comprehensive and Collision coverage will be settled in the event of a covered total loss. Options tailored to your needs can include: 

• Stated Value - market value/actual cash value of the RV 
• Agreed Value – the insured amount, regardless of the current market value 
• Replacement Cost – we will replace your insured RV with a new RV that is most like it 

Vacation Liability 

 Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.  

Personal Property Coverage 

 This coverage provides replacement cost for damage or loss to items normally used with your RV when physical damage coverage is selected.  Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation and meal coverage if needed.  

ATV Coverage 

There are many uses for your ATV, so it’s important that you have the right coverage whether you are hunting, getting around your property, doing farm chores, yard work or just having some off-road fun. 

The ATV policy provides coverage your homeowners policy cannot provide such as roadside assistance, uninsured motorist and if selected the comprehensive and/or collision coverage protects you against theft, collision or upset.  It can also provide coverage for where you ride including state and federal land. 

Contact Aspen Insurance Agency in Denver, Colorado today to request a quote and find out more information. We offer policies in the following states: Arizona, California, Colorado, Florida, Hawaii, Idaho, Illinois, Indiana, Kentucky, , Michigan, Missouri, Montana, Nebraska, New Jersey, New York, North Carolina, Pennsylvania, Ohio, Oregon, South Carolina, South Dakota, Tennessee, Texas, Washington, Wisconsin and Wyoming.