Colorado Recreational Vehicle & Toy Insurance
Motorhomes, travel trailers, ATVs, snowmobiles, motorcycles, golf carts, and everything else in the garage that makes Colorado worth living in. We insure the toys properly, so a great weekend never turns into a bad year.
One agency for the whole garage
Most toys are either uninsured, wrongly assumed to be covered by home or auto policies, or insured on whatever policy was fastest at the dealership. We fix all three.
- RVs and motorhomes: full-timer and part-timer coverage, total loss replacement on newer units, personal effects, and roadside built for big rigs.
- Travel trailers and fifth wheels: covered while towed, parked, and seasonally stored, with attention to who is liable while it is hitched.
- ATVs, UTVs, and dirt bikes: liability and physical damage that follows you onto trails and public land, where homeowners policies usually stop.
- Snowmobiles: seasonal coverage options for machines that work hard three months a year.
- Motorcycles: from commuters to collector bikes, with gear coverage and uninsured motorist limits that match Colorado roads. Classic bikes may fit our collector vehicle programs.
- Golf carts and low-speed vehicles: neighborhood and course use, including communities that require liability proof.
Your homeowners policy is not toy insurance
Home policies sharply limit or exclude motorized vehicles away from your property. The gap usually surfaces after an accident on a trail or at a track, which is the most expensive possible time to learn it.
Bundle the garage
Multi-policy and multi-unit discounts mean the second and third toys often cost surprisingly little to add. One renewal date for the whole fleet also means nothing quietly lapses in the off-season.
Storage season strategy
Dropping coverage in the off-season feels thrifty until a trailer fire, theft, or hailstorm hits the storage lot. Comprehensive-only storage coverage keeps protection on while the wheels are off the road.
Recreational vehicle FAQs
Does my auto policy cover my travel trailer?
Your auto liability typically extends to a trailer while it is hitched, but physical damage to the trailer itself, its contents, and anything that happens while parked or stored usually needs its own policy. We make sure there is no gap between hitch and campsite.
Are ATVs covered by homeowners insurance?
On your own property, sometimes, and narrowly. The moment an ATV leaves your land for trails, public land, or a friend's property, most homeowners policies stop covering it. A standalone ATV policy is inexpensive and closes that gap.
What does RV insurance cost in Colorado?
It ranges widely with the unit's value, how often you use it, and whether you live in it part or full time. Seasonal usage discounts, paid-in-full discounts, and bundling bring it down. Send us the unit details and we will quote it quickly.
Do I need special coverage if I live in my RV full time?
Yes. Full-timer coverage works more like a homeowners policy, adding personal liability and higher personal effects limits. Using a standard recreational policy while full-timing is a common and serious gap.
Is my gear covered: helmets, ramps, tow equipment?
Accessory and personal effects coverage handles gear, and limits vary by carrier. Tell us what rides along and we will set limits that reflect what it would actually cost to replace.
Can I insure a golf cart my HOA community requires coverage for?
Yes. Golf cart policies are inexpensive and we can issue proof of liability to your community quickly.
Should I drop coverage on my snowmobile in summer?
We usually recommend keeping comprehensive in force year-round so theft, fire, and hail stay covered in storage. Carriers also tend to reward continuous coverage at renewal.
Can I bundle all my toys with my home and auto?
Often yes, and the multi-policy math usually favors it, though specialty units sometimes price better in dedicated programs. We quote both ways and pick per unit rather than per slogan.
Get the whole garage quoted
List the toys and we will price them together, usually same day.