RV Insurance in Michigan
Since most RVs are a mix of dwelling and motorized vehicles, they face specific risks. Like auto insurance, RV insurance is critical and legally required, to protect your camper, motorhome, travel trailer, and even horse trailer. As with any type of insurance, the Atlas Insurance Agency of Royal Oak, MI recommends opting for more coverage than the bare minimum to protect yourself, your loved ones and your belongings. Many RV owners use their current auto policy to insure their RV’s but fail to read the fine print. While their RV is usually covered, it is not adequately covered.
To ensure adequate coverage in Michigan, RV owners should add an RV policy to their auto policy or secure a specific RV-policy. While there are multiple types of coverage, the basic coverage includes:
This coverage type pays to replace or repair your RV after a collision occurs.
A Comprehensive Policy provides coverage for accidental and sudden losses that have not been caused by a collision. For example, Comprehensive Coverage kicks in when your RV is damaged due to vandalism, fire, theft, and major weather events.
Liability Coverage pays for property damage and bodily injury events, uninsured coverage (if the other driver is uninsured or underinsured), medical payments, and more.
Vacation Liability Coverage
This type of coverage is used for when property damage or bodily injury occurs from an accident where the RV is parked and being used for recreational purposes.
For those who are full-time RVers, the following additional insurance options are available:
Interested in learning more about which Michigan RV insurance suits your needs best? If so, contact the Atlas Insurance Agency in Royal Oak, MI today! Our trained professionals are ready to answer all your questions and find a plan that suits your RV and wallet!