If you live out here, you probably own something with an engine that isn't your daily driver. A travel trailer for hunting season. A side-by-side for checking fences and running trails. A boat for McPhee Reservoir.
Homeowners policies usually give very limited coverage for these, and almost none away from home. A dedicated policy covers physical damage, theft and liability, often for a reasonable premium.
What a policy can cover
Travel trailers & fifth wheels
Physical damage, theft and contents. Liability generally comes from the tow vehicle's auto policy.
Motorhomes
Auto-style liability plus physical damage, personal effects and vacation liability.
ATVs & UTVs
Collision, comprehensive and liability for side-by-sides and four-wheelers.
Snowmobiles
Physical damage, theft and liability for sleds and trailers.
Boats & personal watercraft
Hull, motor, trailer, liability and on-water towing.
Motorcycles
Liability, collision, comprehensive and custom parts coverage.
| Vehicle | Coverage we usually look at |
|---|---|
| Travel trailer | Physical damage, contents, emergency expenses |
| Motorhome | Liability, physical damage, full-timer coverage |
| ATV / UTV | Liability, collision, comprehensive, guest passenger |
| Boat | Hull, motor, trailer, liability, towing |
A few local notes
Storage. Many campers spend the winter in a pole barn or a storage yard. Tell us where it's stored. Some insurers offer lay-up savings for months it isn't used.
Farm use vs. trail use. A UTV used only for ranch work may be covered under a farm policy. Take it on public trails and you'll likely need a separate policy with liability.
Hunting season. Camper contents like guns, optics and gear may need extra coverage. Ask about scheduling high-value items.
Discounts worth asking about
- Bundling with auto or home
- Safety course completion
- Lay-up / seasonal use
- Multiple recreational vehicles
- Claim-free history
Discounts, coverages and limits vary by insurance company and are subject to eligibility and underwriting.
Questions people ask
Does my auto policy cover my travel trailer?
Your auto policy may extend liability to a trailer you're towing, but usually not damage to the trailer itself. A trailer policy covers physical damage and contents.
Do I need insurance to ride an ATV on public land?
Colorado requires off-highway vehicles to be registered or permitted for use on public trails, and some areas require insurance. Liability coverage is a good idea either way.
Is my boat covered under my home policy?
Usually only small boats with limited coverage. Larger boats and motors need a boat policy.
Can I insure an older camper?
Often yes. Coverage options for older units can vary, such as actual cash value instead of replacement cost.