Recreational Vehicle Insurance in Pagosa Springs, CO
Living in Pagosa Springs means having year-round access to some of Colorado’s most beautiful outdoor recreation. From summer trips into the San Juan National Forest to winter snowmobiling near Wolf Creek Pass, recreational vehicles are a way of life here. At Smith Insurance, we offer recreational vehicle insurance in Pagosa Springs, CO designed to protect the RVs, powersports vehicles, and outdoor toys that make life in this area so enjoyable. Our goal is to help you explore with confidence, knowing you have coverage that truly fits how and where you ride.
As a local independent broker, we understand the unique risks that come with mountain weather, winding roads, and seasonal use. Whether you own a motorhome, travel trailer, ATV, boat, or snowmobile, we take the time to build coverage that matches your lifestyle in Pagosa Springs.
Powersport and RV Insurance
Built for Mountain Living
Recreational vehicles in Southwest Colorado face different challenges than those in flatter regions. Steep terrain, gravel roads, heavy snowfall, wildlife crossings, and sudden weather changes all factor into the type of insurance you need. Our powersport and RV insurance in Pagosa Springs, CO is designed with these realities in mind.
We work with multiple insurance carriers to compare options and recommend policies that offer the right balance of protection and affordability. Because we are not tied to a single company, our advice is based on what works best for you.
RV Insurance Coverage
That Goes Beyond the Basics
Our recreational vehicle insurance policies are similar to auto insurance but tailored to the unique needs of RV ownership. Coverage options typically include liability protection, collision, and comprehensive coverage for events like theft, vandalism, fire, hail, falling branches, and animal damage.
Many RV owners also choose optional coverages such as roadside assistance, personal effects protection, and coverage for permanently installed accessories like awnings, antennas, and satellite dishes. Policies can be customized for Class A, B, and C motorhomes, travel trailers, fifth wheels, camper vans, and pop-up campers.
Coverage for Powersports
and Outdoor Toys
Pagosa Springs residents enjoy a wide range of outdoor vehicles beyond traditional RVs. Our recreational vehicle insurance extends to many types of powersports and specialty vehicles, allowing you to protect everything you use for adventure.
We provide coverage options for ATVs, UTVs, dirt bikes, snowmobiles, motorcycles, golf carts, and off-road vehicles. We also offer insurance solutions for watercraft such as fishing boats, pontoon boats, jet skis, sailboats, and other personal watercraft commonly used on nearby lakes and rivers.
Why Work with an Independent Broker
in Pagosa Springs
As an independent insurance broker, we work for you, not the insurance company. This means we can shop multiple carriers on your behalf to find the best coverage and pricing for your recreational vehicles. Our personalized service sets us apart, especially in a close-knit community like Pagosa Springs.
With 16 years of combined experience, Michael and Kelseigh bring industry knowledge and a friendly, approachable style to every conversation. We are licensed in Colorado, Arizona, New Mexico, Texas, and Utah, allowing us to support clients who travel or store vehicles across state lines.
Local Knowledge
That Makes a Difference
Protecting Your Adventures
in Pagosa Springs
At Smith Insurance, we believe your recreational vehicles should bring freedom and enjoyment, not worry. Our recreational vehicle insurance in Pagosa Springs, CO is built to protect the RVs, powersports vehicles, and outdoor toys that fit the mountain lifestyle. As an independent broker, we focus on personalized coverage, multiple carrier options, and local expertise that makes a real difference. Whether you explore seasonally or year-round, we help ensure you are covered every mile of the way. Contact us today to discuss your RV and powersport insurance needs and enjoy the outdoors with confidence and peace of mind.