RV Insurance in Michigan

Experts break down RV insurance costs, coverages, companies, and more in Michigan.

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

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Many Michigan residents enjoy traveling and camping in recreational vehicles. RVs give you the opportunity to get away from it all while still enjoying many of the creature comforts of home. This may explain why residents of the Wolverine State spend more than $150 million a year on RV sales and service.

Whether you are taking your recreational vehicle to one of Michigan’s scenic lakeside campgrounds or using it to tour the US and Canada, you can protect your investment and your finances with a good RV insurance policy.

Local independent agents are free to work with some of the best RV insurance companies in Michigan to help you find a good policy at a great price. Find an independent insurance agent near you to start comparing customized quotes.

What Is RV Insurance?

A recreational vehicle, or RV, is a motorized vehicle or trailer that includes living quarters like a sleeping area and a kitchenette. Because RVs serve a dual purpose as a home as well as a vehicle, they need the specialized insurance coverage that only an RV insurance policy can provide.

RV insurance is a hybrid of homeowners insurance and car insurance. Your policy can be customized to meet your specific coverage needs according to the type of recreational vehicle you own and how you use it.

How Much Does RV Insurance Cost in Michigan?

The average cost of an RV insurance policy in Michigan is $4,490 a year, which is on the high end for the country. Of course, rates can vary significantly from one recreational vehicle owner to the next because they are based on factors like:

To find out how much it will cost to insure your RV, you can contact a few competing insurance companies to ask for customized quotes. Or, if you prefer, an independent insurance agent can save you the hassle by doing this on your behalf.

Is RV Insurance Required in Michigan?

If your RV is a non-motorized towable, like a fifth wheel, pop-up camper, or travel trailer, you are not required by law to insure it with an RV policy. Instead, you can purchase an endorsement on the policy of the vehicle that will be used to tow it.

If your RV is self-propelled, like a motorhome or camper van, you will be required to have RV insurance. Your policy will be held to the same coverage requirements as your car or truck. 

What Does Michigan RV Insurance Cover?

Michigan is a no-fault state. This means that if you are in a collision, your own insurance policy will provide the first line of coverage, regardless of fault. A minimum-coverage RV insurance policy must include the following:

RVs are larger and heavier than most vehicles on the road, so if are responsible for a collision while driving one, you are likely to cause a lot of property damage and potentially serious injuries to others. Because of this, you may want to purchase liability insurance in higher amounts than the state requires.

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What Else Can Michigan RV Insurance Cover?

In addition to the mandatory coverage mentioned above, RV insurance companies typically offer a wide variety of coverage options. This lets you customize your policy according to your specific coverage needs and how you use your recreational vehicle.

Optional coverage that is popular in Michigan includes:

Some of the coverage options listed above (particularly vacation liability insurance) may be required by campgrounds before you can park your RV there. Be sure to check in advance to make sure your policy is compliant with the requirements at your intended destination.

What Are the Best RV Insurance Companies in Michigan?

The best RV insurance companies are the ones that have a proven track record of providing excellent customer service, reliable coverage, and competitive rates.

Independent insurance agents in Michigan have teamed up with some of best insurance providers. This means that you can be sure that any policies and rates your agent presents you with are coming from trustworthy providers.

How Can an Independent Insurance Agent in Michigan Help?

If you are looking for a reliable RV insurance policy that meets your coverage and budgetary needs, you can benefit from talking to a local independent insurance agent. These agents can offer guidance and advice and can shop around to find you a good policy at a great price.

Discover the many benefits of having a local insurance professional on your side. Set up an obligation-free consultation with an independent insurance agent near you to start comparing customized RV insurance quotes.

https://www.titlemax.com/discovery-center/planes-trains-and-automobiles/which-u-s-states-spend-the-most-on-rvs-per-capita/ https://www.michiganautolaw.com/blog/2019/07/02/do-you-need-insurance-for-a-trailer/ https://www.michigan.gov/autoinsurance/ https://www.michiganautolaw.com/no-fault/no-fault-act/ppi-insurance-property-protection-insurance/ https://www.michigan.gov/documents/difs/Auto_Insurance_Guide_448003_7.pdf 

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