Motorhome insurance FAQs

As a motorhome owner, you are in a select group of Americans. Your motorhome is special to you and when it comes to insuring your motorhome, you want to have someone who is as dedicated to this special genre as you are. At  America’s Choice Insurance Partners in Wixom, MI, we have been specializing in motorhome insurance since 1984 and we understand what is important to you because it is also important to us. 

What does motorhome insurance cover?

Motorhome insurance offers the same options that auto insurance offers; liability coverage, collision, comprehensive and roadside assistance. 

Is motorhome insurance required in Michigan?

Michigan requires that all motor vehicles have liability coverage in the amount of 50/100/10. While this is the required amount, the property damage amount is quite low and, given the fact that motorhomes are large, having more coverage is a good idea. 

Does motorhome insurance cover mold and mildew?

Having mold and mildew in your motorhome is not uncommon, but it is a maintenance issue and not one that is covered by your insurance policy. It is up to you to take the necessary steps to keep our motorhome in good repair. In this respect, motor home insurance is more like home insurance than auto insurance. 

Should I cancel my insurance when my motorhome is in storage?

No, you should not cancel your coverage when you are not driving your motorhome. Bad things can still happen that don’t involve driving at all. Many insurance carriers have an option for keeping coverage on your motorhome that will protect it from damage. You can keep the coverage you need and not keep what you don’t need. This will save you money and preserve your policy. 

Contact America’s Choice Insurance Partners in Wixom, MI when you are ready to talk about what insurance your motorhome needs.

How Motor Home Insurance Is Impacted By Severe Weather

America’s Choice Insurance Partners provides coverage to the Wixom, MI community. We proudly serve as an independent insurance agency. We work closely with multiple carriers across the state. We strive to help our clients protect their assets. We want to alleviate some stress involved in searching for insurance.

How Motor Home Insurance Is Impacted By Severe Weather

If you own a motor home, you have a unique asset. You are able to travel as much as you like while still enjoying that intimate setting. Motor home insurance allows you to stay protected as you travel around Wixom MI and beyond. Collision coverage protects you if your motor home is involved in an accident with another vehicle or object. Comprehensive coverage protects your motor home if someone attempts to steal of vandalizing it. Liability coverage protects you if you are held responsible for any damages that occur to someone else’s property or if someone is injured. All of your personal items on the motor home are also covered if something happens to them.

One of the unknown variables that you have to deal with while you’re riding in your motor home is the weather. You may be involved in an accident. Severe weather also has the ability to total your motor home. While motor homes are durable, they aren’t able to withstand damage from hurricanes or tornadoes. The roof of your motor home is especially vulnerable. The seams that hold your roof in place may erode over time. Make sure that you perform regular maintenance on the roof of your motor home. If the seams become brittle, a strong gust of wind could cause the entire roof to come apart.

If you plan to camp for a few days, park your motor home away from an area where there are lots of trees. You should also store any loose items on your RV in a secure place.

America’s Choice Insurance Partners Will Help You Protect Your Assets

Visit our website to learn more information about motor home insurance.  

Is your motor home ready for Spring?

Are you a motor homeowner here in the Wixom, MI area? If so, America’s Choice Insurance Partners are here to help you ensure your motor home before the heavily traveled days of Spring. We understand that with the warmer weather the urge to get out and explore and travel becomes even stronger. Let us help you protect your vehicle before you hit the open road. A comprehensive policy can provide the necessary peace of mind that you need to be safe and enjoy life on the road!

Now is the time to prepare your motor home for Spring

Spending some time at the start of the motor home travel season can help you to avoid any downtime once you get on the road. Just as you have your mechanic take a look under the hood, it only makes sense to have your local agent review your motor home insurance policy. Coverage needs can change over time, and it is always better to be safe rather than sorry.

  • Check all fluids
  • Inspect plumbing and water lines
  • Review insurance policy

We are here to help you protect your motor home and enjoy many happy miles now and well into the future! If you have questions about your motor home coverage, it makes sense to have them answered now before the busy travel season. 

Contact us today to learn more!

America’s Choice Insurance Partners is here to answer the questions that you may have about motor home insurance. Residents in Wixom, MI and the surrounding area can count on us for all of their insurance needs! Call, click, or stop by today!

Should I Keep My Motorhome Insured If It Is In Storage?

America’s Choice Insurance Partners offer a variety of insurance options to the residents who live in the Wixom, MI area. In Michigan, camping is more than just a hobby. It’s a way of life for many who truly love the outdoors. When fall rolls around, however, and the camping season comes to a close, motorhome owners reluctantly put their second homes in storage. Keeping them properly insured means that next year’s camping season will start outright.

Seasonal Use

Fall and winter in Michigan can be incredibly cold. Properly winterizing your motorhome and putting it in storage is the best way to protect it from the elements. With the right type of motorhome or a recreational insurance policy, you can protect it from various other issues as well. This includes theft, vandalism, damage caused by falling objects, or any other type of incident that is beyond your control.

Protecting Your Investment

Just because your motorhome is in storage doesn’t mean that it is fully protected with no risks. In many cases, this is when theft and vandalism occur. Unless your motorhome is stored inside an enclosed building, you may also have to worry about falling debris, such as tree limbs or other items that may be swept around in a storm. Understanding the risks you face will help you choose the right policy when storing your motorhome.

In Wixom MI, putting your motorhome in storage signals the changing of the season. If you have questions about insurance when fall comes around, call the agents of America’s Choice Insurance Partners. They can help you choose the proper policy and make sure your motorhome is fully covered so that next year’s camping season starts off smoothly.

Three Important Questions you must ask about Motor Home Insurance

When you own a motor home, you must protect it. Acquiring the right type of insurance is the best way to go. At America’s Choice Insurance Partners, serving Wixom, MI, we work with motor homeowners to find a suitable coverage plan. However, before you make a decision, there are three critical questions you must ask your agent about motor home insurance.

What is included in Motor Home Insurance coverage?

This first question is an obvious one to ask to purchase the right coverage. Being knowledgeable about the details of your motorhome coverage will help you make a sound decision. Your coverage options could vary depending on how much you drive it. So you must know your options to choose one that fits your needs.

Is Motor Home Insurance similar to Auto Insurance?

A motorhome is considered a place to live and a vehicle to drive. As such, the insurance options for it are similar to automobile insurance coverage. These options include comprehensive, collision, and liability coverage. In the state of Michigan, the no-fault insurance law mandates all drivers to pay for injuries to people or any property damage caused. While motor home insurance has its similarities to auto coverage, it does also include replacement costs for lost or damaged items kept in your motorhome.

How could I get the best coverage for my Motor Home?

To get the maximum coverage, you must have a good, reliable agent to help you find the right one according to your situation. Our agents at America’s Choice Insurance Partners are here for you. If you live in the Wixom, MI area, contact us for a quote on your motor home insurance today.

4 Ways to Get the Best Motorhome Insurance

If you have a motorhome, you want to get the best insurance for your needs. That means good coverage you can rely on, but you also want to work with a trusted agent who can give you plenty of information about the policies you have to choose from. Then you can pick the one that’s right for your situation and the way you use your recreational vehicle. Motorhome insurance from America’s Choice Insurance Partners means you have options. If you’re in the Wixom, MI area, we want to help you get an excellent policy that’s going to provide you with strong protection and plenty of peace of mind. Here are four ways to get quality insurance you can feel good about:

  1. Ask your agent plenty of questions, so you can have the knowledge you need to make an informed choice.
  2. Work with a company you can trust, so you can get good policy options that fit your needs.
  3. Find an agent you can rely on, so you can review and update your policy as and when it’s necessary.
  4. Review your policy frequently, so you and your agent can work together to keep you adequately protected all the time.

You don’t have to settle for anything less than great with motorhome insurance. When you reach out to us at America’s Choice Insurance Partners, we’ll be happy to help you find the right policy. Whether you use your RV on a full-time basis, or you leave it parked a lot and only take it out in the summertime, there’s a policy that’s right for you. By contacting us, you’ll be on your way to finding that policy and enjoying your motorhome without worries about your insurance for a long time to come. Then you can focus on your travels all over the Wixom, MI area to the shores of Tampa, FL.

What does motor home insurance cover?

Your RV is a significant investment. So, why would you drive around town in your home on wheels while uninsured? Work with the agents at America’s Choice Insurance Partners and we can help you find reliable motor home insurance at a price you can afford. What does an RV policy cover, though? Read on to find out!

A general overview of coverage

In general, motor home insurance covers:

  • Bodily Injury

  • Property Damage

  • Uninsured/Underinsured Motorist

  • Comprehensive and Collision

  • Medical Payments 

You can also purchase additional motor home insurance that includes roadside assistance, towing, and replacement cost for appliances destroyed. Some insurance policies even have an option known as vacation liability that pays for all damages incurred at a rest stop or camping site while the family is traveling. 

Doesn’t home insurance cover an RV?

Homeowner’s insurance pays for damages to your motor home if the vehicle is on the premises at the time of disaster. A home insurance policy will cover the cost of your RV when a natural disaster sweeps the vessel away while it was parked in your driveway. 

Homeowner’s insurance does not extend to the road. You cannot, in other words, use your home insurance policy if your RV is destroyed at a campsite. Homeowner’s insurance also falls short in the area of accidents. You are fully responsible for at-fault car accidents, which is why you need a motor home insurance plan that provides financial assistance. 

Call today for help!

The agents at America’s Choice Insurance Partners in Wixom, WI can explain the details of motor home insurance and help you find the policy that works best. Do not get caught unprepared! Call today to get started with a quote for your motor home.