Month: May 2025

If you’re a fan of ATVs, boats, snowmobiles, or even RVs, obtaining the right insurance policy is a must. As an owner of a recreational vehicle, I highly recommend recreational insurance, regardless of location. If you’re located in Aurora, CO, and you own a recreational vehicle, All-Star Insurance Brokers Inc. can help you find a policy that provides comprehensive and reliable protection year-round, even if you only use your recreational vehicle seasonally.

What Recreational Vehicle Insurance Doesn’t Cover

Whenever you’ve invested in a recreational vehicle, it’s important to take the time to review your insurance policy to understand better what is and isn’t covered. With most recreational vehicle insurance, the following issues are not covered:

• Wear and Tear: Surprisingly, recreational insurance does not cover traditional wear and tear of RVs and off-roading toys. Corrosion, traditional aging, and even mechanical breakdowns are not typically covered.
• Unapproved Usage: Driving outside legal zones and approved terrain for off-roading vehicles can invalidate existing recreational vehicle policies.
• Flooding: Flooding and/or water intrusion (without a special endorsement) will not likely be covered. With flash flooding throughout Aurora, it’s essential to remain mindful of this.
• Unauthorized Drivers: If an individual who is not listed on your RV insurance policy is driving your vehicle or toy and experiences an accident, your coverage may be limited or denied altogether.

Understanding what recreational insurance doesn’t cover when investing in a snowmobile, RV, ATV, or another off-roading toy. From traversing the back-country slopes to exploring surrounding trails, it’s important to remain as protected as possible while simultaneously protecting your investment. To learn more about recreational insurance and to determine if a policy is right for you in Aurora, CO, contact All-Star Insurance Brokers Inc. today.