Three mistakes to avoid when you purchase recreational vehicle insurance in Colorado

It’s important for you to invest in RV insurance if you are a Longmont, CO resident with a recreational vehicle. At 1st American Insurance Agency, we can help you find the right recreational vehicle insurance policy in Colorado.

The following are three mistakes to avoid when you purchase recreational vehicle insurance in Colorado. 

Buying recreational vehicle insurance in a hurry

Your recreational vehicle is a valuable possession. As such, you need to protect it with the right insurance policy.

Purchasing a recreational vehicle insurance policy requires careful research and consideration. Don’t rush yourself when you’re deciding between various policy options. Make sure you take the time to research different policies available to you. Then, evaluate your options carefully. 

Buying a policy in a hurry makes it more likely that you will overlook important details. This could come back to hurt you down the road if you have to file a claim. 

Not knowing what type of recreational vehicle you own

There are many different types of recreational vehicles out there. When you’re shopping around for policies, it’s important that you’re aware of what type of recreational vehicle you own. Different recreational vehicle types cost different amounts to ensure.

Among the various recreational vehicle types out there are trailers, campers, and sport utility RVs. In terms of motorhomes, there are Class A, Class B, and Class C motorhomes. It’s important that you properly identify your motorhome type when you’re looking for recreational insurance policy quotes. 

Being unaware of state requirements

Recreational insurance policies need to meet some general liability requirements. You need to carry $50,000 in bodily accident coverage and $15,000 in property damage coverage per accident in addition to meeting several more state requirements. 

Are you currently on the market for recreational vehicle insurance in Longmont, CO? At 1st American Insurance Agency, we’re here to help. Get in touch with us to start exploring your recreational vehicle insurance options. 

3 Reasons To Add Umbrella Insurance To Your Company Policy Today.

Longmont, CO is a lovely community with scenic vistas amazing summers, and a reputation for welcoming small businesses. If you own your own business in Colorada then be sure that you have the coverage you need for optimal protection and peace of mind. At 1st American Insurance Agency, we are happy to answer any questions you have about umbrella insurance.

3 Reasons to Add Umbrella Insurance to Your Company Policy:

  1. Not all businesses fit into a typical commercial policy. You know your business inside and out. You know if you rely on a particular asset that goes beyond the typical coverage limits. Maybe it is an industrial oven with upgrades for your specific product that is practically irreplaceable or something else that is hard to fit in a regular policy. An umbrella policy helps protect your company’s unique assets beyond what a commercial policy may. 
  2. There is much at risk if you do not have proper protection. When you run your own business you have a responsibility to your employees as well as yourself and if something is lost that could have been covered by an umbrella policy you have put more than yourself in a dire situation. An umbrella policy simply covers more. 
  3. It is an affordable piece of mind. In most cases an umbrella policy is an affordable addition to your current business insurance coverage, it is easy to purchase and easy to keep up. For little effort, you get a significant amount of stress reduction and protection. 

Contact us 1st American Insurance Agency if you are ready to update or increase your insurance with an umbrella policy, or if you are looking to purchase your first commercial insurance policy. We serve the community of  Longmont, CO, and the surrounding area with quality insurance services and we look forward to hearing from you.