Insuring an RV in Wixom, MI can be a little tricky because even though the inside of the RV feels more like a home, it’s still treated as a vehicle for insurance purposes. Since it’s treated as a vehicle, you need to make sure that you have adequate liability insurance if you hope to drive your RV out in public. In addition to it being required for you to operate your RV legally, several standard coverages are useful to protect your financial investment. An agent at America’s Choice Insurance Partners can help you find the right coverage for your needs.
- Liability Coverage: Liability coverage can pay for injuries and damages that you are legally responsible for because of an accident.
- Uninsured Coverage: This coverage will reimburse you for damages and injuries that are caused by someone who doesn’t have any insurance or not enough insurance.
- Medical Payments: This coverage pays for medical expenses for you and household family members while in your RV, no matter whose fault it is.
- Comprehensive and Collision Coverage: These insurance options provide coverage for your RV should it be damaged in an accident or in another way not related to an accident. For example, vandalism, fire, hail, and theft would be covered under collision insurance.
Other RV coverages that don’t come standard may also be necessary, depending on how you want to use your RV and how much financial protection you want to have. Custom equipment insurance will give you coverage for equipment and parts that weren’t installed by the manufacturer originally. Vacation liability protection can give you some liability coverage for property damage and bodily injury if you are using your RV as a temporary residence. Awning replacement can provide you coverage to replace your awning if it is destroyed in a covered event.
Contact America’s Choice Insurance Partners in Wixom, MI to get a quote on RV insurance.