RV/ATV Coverage

Protecting your recreational vehicles is essential whether you travel the open road or ride off road. Aspen Insurance Agency provides RV insurance and ATV insurance designed to safeguard your motorhome, travel trailer, camper, horse trailer, ATV, or UTV. Our team will help you choose the right level of protection while keeping your premium affordable.

Liability Coverage

Liability coverage helps protect you if you cause bodily injury or property damage while using your RV or ATV. It can also include medical payments coverage and uninsured motorist protection. Coverage availability and limits vary by state.

You may have options for how your RV is covered in the event of a total loss under Comprehensive and Collision coverage. Common settlement options include:

• Stated Value which pays the market or actual cash value of your RV
• Agreed Value which pays the agreed upon insured amount regardless of market value
• Replacement Cost which replaces your insured RV with a new RV of the same or most similar model

Vacation Liability Coverage

Vacation Liability coverage is useful when your RV is parked and used as a temporary residence. This protection extends liability coverage while you are living in the RV. Some RV policies also include limited physical damage coverage for travel in Mexico.

Personal Property Coverage

Personal Property coverage protects items normally used with your RV when physical damage coverage is included. Replacement cost coverage is available for many belongings. Some RV insurance policies also include Roadside Assistance, offering support 24 hours a day for breakdowns and accidents. Optional upgrades can include lodging, transportation, and meal reimbursement.

ATV and UTV Coverage

ATV insurance provides important protection whether you use your ATV or UTV for hunting, farm work, yard work, or recreational riding. A homeowner’s policy does not offer the coverage needed for off road vehicles, which is why dedicated ATV insurance is important.

ATV and UTV insurance may include:

• Roadside assistance
• Uninsured and underinsured motorist coverage
• Comprehensive coverage for theft, fire, vandalism, or animal damage
• Collision coverage for accidents or overturns
• Coverage for riding on state or federal land

Having the right policy ensures you stay protected no matter where you ride.

Get an RV or ATV Insurance Quote

Contact Aspen Insurance Agency today to request a quote for RV insurance or ATV insurance. Our team will help you compare coverage options and choose the policy that best fits your lifestyle.

About Aspen Insurance Agency

Aspen Insurance Agency is based in Denver, Colorado, and serves clients nationwide. As a family owned agency, we work with multiple insurance carriers to offer affordable and comprehensive insurance solutions. We provide personal, commercial, and professional insurance to residential and commercial clients, helping you secure the coverage you need at the lowest possible cost.