If you’re an RV owner in Wixom, MI, winter storage is critical to protecting your vehicle from the extreme cold. The harsh Michigan weather can cause severe damage to your RV if it’s not properly stored and protected.

Here are a few tips from America’s Choice Insurance Partners to keep your RV safe during the off-season.

Clean and Cover Your Vehicle

The first step to ensure your RV is ready for winter storage is thoroughly cleaning it inside and out. Ensure you remove all debris from cracks and crevices, remove any tar or grease build-up outside the vehicle, use a pressure washer on the exterior surfaces, and clean out all cabinet drawers and closets. Also, cover your RV with a tarp or canvas to protect it against snow and ice.

Check All Systems and Fluids 

Before storing your RV for the winter season, it’s essential to check all systems and fluids, including tires, brakes, engine oil/coolant, and transmission fluid levels. It’s a good idea to also check all hoses and belts for any signs of cracking or leakage.

Battery Maintenance and Fuel System Protection 

Maintaining your battery during storage is essential since cold temperatures can cause it to drain faster than usual due to increased internal resistance. To prevent this from happening, disconnect the battery terminals when storing away for extended periods. Additionally, add a fuel stabilizer to your gas tank before filling up so that fuel doesn’t break down in long-term storage.

These are just a few tips for safely storing an RV during winter months in Wixom, MI, but there are many more considerations! For peace of mind knowing that you and your vehicle are covered in case of an accident or unexpected event during storage.

Contact America’s Choice Insurance Partners about getting adequate insurance coverage for yourself and your recreational vehicles today!

America’s Choice Insurance Partners is the team that Wixom, MI area residents can rely on for all of their insurance needs. If you have questions about your RV policy, we are here to help. Contact our office today to learn more. 

Is it time to update your RV policy?

With most insurance policies, consumers renew their policies year after year. While this may feel convenient, and you may not think that your insurance needs change too much year after year, waiting too long to upgrade a policy can be a mistake. If it’s been years since you have taken a close look at your RV policy, now is a great time to do so. 

Vehicle values change, as do liability protection needs. And just these two examples could be enough to warrant an upgrade. If you want to know if your current policy still provides the protection you need, we can help. By sitting down with a local agent, you can gain a greater understanding of your policy and if there are any gaps in your current coverage.

There’s no reason not to review every insurance policy upon renewal thoroughly. This critical step often falls by the wayside as we all have busy lives. If you haven’t been able to thoroughly review your policy in a while, let us help. After a comprehensive review, you will know what additional coverage you may need and take any necessary steps to put the right policy in place.

Call or stop by our office today!

RV owners in Wixom, MI and the surrounding area can count on America’s Choice Insurance Partners for all of their insurance needs. We are here to help! Give us a call or stop by today.

If you’re planning on hitting the road this summer, protect your RV with America’s Choice Insurance Partners. We have a wide variety of plans to choose from, all of which are designed to give you the coverage you need at a price you can afford. What plan is best for your needs? Let’s take a look.

America’s Choice Insurance Partners: Types of RV Insurance Plans

Basic liability coverage is the minimum level of protection required by law in most states. If you’re looking for more comprehensive coverage, we offer various options that can be tailored to your specific needs. Our team can help you better understand which of these policies is the right fit for you. 

What Coverage Do I Need?

If you’re a resident of Wixom, MI, you’ll need to have at least the minimum level of liability coverage required by law in your state. You may also want to consider additional coverage options, such as collision and comprehensive insurance if you plan on doing any traveling this summer. 

How to Get the Most Out of Your RV Insurance Plan This Summer

You can do a few things to make sure you get the most out of your RV insurance plan this summer. First, read your policy carefully to understand what is and isn’t covered. Next,  keep your RV in good working condition. Finally, familiarize yourself with the area you’ll be traveling in. The weather and road conditions may differ from your home base of Wixom, MI.

America’s Choice Insurance Partners has you covered no matter what type of RV insurance plan you need. We’ll work with you to find the right plan. Contact us today to get started.

You are excited to head out on the highway in your new RV camper but before you do, you need to ensure that you have the proper insurance coverage to protect the investment you have made in your RV.

The trusted and experienced RV insurance agents at America’s Choice Insurance Partners in Wixom, MI, know and understand the importance of having RV insurance in place for all types of motor homes, folding camping trailers, fifth-wheel trailers, conventional camping trailers, and even mounted truck campers.

Liability RV Insurance

Liability insurance coverage is required for all motorists in the state of Michigan. This type of policy will cover you or anyone else who drives your motorhome in the event an accident occurs and it is deemed to be the fault of you or the person driving your RV. Also, this type of coverage can even pay the expenses of any person that is injured in a crash along with any property damage that occurs.

Comprehensive Coverage

Comprehensive RV insurance coverage may be required by your lender if you borrowed the money to purchase your RV or camper. Even if you paid cash for your motorhome, this type of insurance is still very important to obtain to protect your investment and to provide you with the peace of mind you deserve so you can completely enjoy each of your camping experiences. It will repair or replace your camper or motorhome if it is damaged by a natural disaster, an act of vandalism, a theft incident, a fire, or even a falling object.

Collision Coverage

Collision coverage will come in handy if you are involved in a collision with another vehicle or some sort of stationary object.

To obtain a quote or to create an RV insurance policy that works well for you and your family, contact the experienced, trusted, and knowledgeable RV insurance agents at America’s Choice Insurance Partners in Wixom MI today for a quote and an appointment.

4 Critical Things to Consider When Buying RV Insurance in Wixom, MI

Congratulations on purchasing that dream recreational vehicle. Now, your next step is probably to find the perfect RV insurance to protect your investment. At America’s Choice Insurance Partners, we recommend learning your insurance needs and setting up a budget before shopping for RV insurance. Your home on wheels is a huge investment; you don’t want to make any mistakes that will financially drain you in the future. Here are 4 things to consider when buying RV insurance.

How You Intend to Use Your RV

The amount of insurance you need heavily depends on how you will be using your RV. For example, if you only intend to use your RV during summer vacations, your insurance company may allow you to buy certain coverages for the duration you will be using the RV. But be sure to keep others to protect your RV while in storage such as comprehensive coverage.

Emergency Roadside Assistance

If you intend to tour Wixom, MI, and other areas and live in your RV, you will significantly benefit from emergency roadside assistance in case of mechanical failure. The last thing you want is to get stuck in an unknown location with no one to call for help.

Where You Will Store Your RV

Before shopping for RV insurance, you may want to seriously consider where you will store your RV, especially if you will be using it occasionally. Therefore, consider creating a secure area for your new travel companion.

Other Policies and Coverages

Traveling means making serious financial considerations, including buying coverages and policies to protect you while you’re out there. Pet insurance, travel insurance, consignment insurance, umbrella insurance, and vacation liability are all policies to consider when touring outside Wixom, MI.

For more information about RV insurance, feel free to contact America’s Choice Insurance Partners today.

In the Wixom, MI area, local residents are going to have access to a lot of local amenities that help to make it such a popular place to live. If you are going to move to this area of Michigan and want to enjoy it as well as you can, you should get an RV. With an RV, you will have a convenient and safe way to get around the state and spend time at night. When you get an RV, you also need to get an RV insurance policy when you are here.

RV Insurance is a Necessity Due to Legal Requirements

A reason that a lot of people need to get this insurance coverage is that it is a necessity due to legal requirements. If you are going to drive any type of vehicle in Michigan, you will have to get the proper insurance for it. This means having at least liability coverage.

RV Insurance is Required by Lenders

A lot of people will take advantage of low-interest rates today and take out a loan to buy their RV. If this is the choice for you, there will be insurance requirements in your agreement. Lenders require coverage as it will give protection for their collateral. 

In Wixom, MI, owning an RV is a great option and fun investment. If you do want to buy an RV here, you should call America’s Choice Insurance Partners. Picking the right insurance plan is important for any RV owner and America’s Choice Insurance Partners can make it easier for you. If you do call the team here, you can learn all you need about your different options. This can ensure you get into a policy that protects your RV and gives you comfort and peace of mind. 

America’s Choice Insurance Partners serves the Wixom, MI community by offering multiple types of insurance coverage. We are aware that searching for insurance can be overwhelming at times. That’s why we are committed to helping our clients find the coverage they need by simplifying the process. We help our clients find coverage that suits their individual situation.

Common Misconceptions About RV Insurance

Many people enjoy taking road trips in their RV. While you are traveling through Wixom, MI, RV insurance will cover you. The policy will cover any damages that your RV suffers during a collision with another vehicle or object. The policy will also cover you if a potential liability issue arises. While you are researching different policies, be aware of some common misconceptions regarding RV insurance.

If you have luxury items on your RV, it’s important that you amend your policy in order to protect those items. Do not automatically assume that your luxury items will be covered under your policy. Also, keep in mind that RV insurance differs from traditional auto insurance policies. The structure of your RV insurance policy will be different, especially if your RV also acts as the place where you sleep and keep all of your personal items.

During times when you are not operating your RV, you may feel that you do not need any coverage. The policy covers your RV if something were to happen while you have your RV in storage. An accidental fire could cause severe damage to your RV. With RV insurance, you will be covered if that situation arises. You will also be covered if you have to seek temporary lodging elsewhere while your RV is repaired.

America’s Choice Insurance Partners Will Help Alleviate Some Stress

Visit our website today to learn more information about how we can help you find the right RV insurance policy.   

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.

An RV can make travel both fun and comfortable. After all, it’s a home on wheels, making it easy to bring a sense of familiarity to new adventures. It goes where you go but still provides you with a warm, familiar home. You may have an RV that’s been in your family for years. You may have paid it off years ago. Your thoughts may wander as you think of cutting the ties on your RV insurance. After all, it’s old and paid for. Do you need it?  

If You Drive It, You Need It

It’s that simple. If you operate an RV on the open roads, it must be insured. It’s a home, but it’s also on wheels. This makes it a vehicle as well. You need insurance regardless of how old it is if you drive it. The state coverage should mimic what automobile drivers would be required to carry at a minimum. America’s Choice Insurance Partners of Wixom, MI can educate RV owners in what the state requirements would be for RV’s that are driven in Michigan. Beyond driving your older RV, it also helps to have RV insurance that will cover costly repairs that surface as a result of the age and frequent use of your RV over time. 

If It’s a Rental, You Need to Insure it

If you don’t own your older RV and are merely renting or leasing it, you will need to carry insurance of your own or through the rental facility or may be required by your lender. This protects their investment while you are using it. Anything could happen to the RV, you, or other individuals. RV insurance protects you while you are renting the vehicle.

RV Liability Insurance in Michigan and Florida

If you drive it, Michigan and Florida will require you to carry liability insurance to protect other cars on the road and RV’s on the road. Although the interior of your RV is a home, the exterior acts, and functions as a vehicle. Requirements for any RV are usually centered around the vehicular aspect of your RV, regardless of the age. America’s Choice Insurance Partners of Wixon, MI are committed to helping all RV owners secure the insurance that best suits their situation, state requirements, as well as their particular recreational vehicle. Give us a call for a quote and more information. 

Owning an RV is a fantastic way to enjoy the warmer months, but for people who put their vehicle in storage over the colder months, there are a few things to consider. RV insurance offers a lot of different coverage options and limits and sometimes it can be confusing to determine which option is right for you. If you are an RV owner in Wixom, MI or any of the nearby communities, America’s Choice Insurance Partners is here to help. Before you put your RV away for the winter, let’s make sure that your coverage provides sufficient protection.

RV Storage and Protection During the Off-Season

There are a couple of variables that can affect your insurance needs when it comes to RV storage. Firstly, do you store the vehicle at home or at an off-site facility? Is the RV indoors or outdoors? Is the vehicle stored throughout the entire winter, or do you take it out on the road a few times during the cold weather? Is anyone staying in the RV while it is stored? Indoor storage at a guarded facility is always the best bet, but that option may not be practical or available to you. If you keep your RV on unguarded land outdoors, you will likely want more protection. All of these questions are important factors when it comes to choosing the right policy and the correct policy levels to protect your RV during the winter.

Is it time to take a closer look at your current RV policy? America’s Choice Insurance Partners is proud to serve the greater Wixom, MI area, and we would welcome the opportunity to serve you too. Call us today and find out more about the RV insurance options that are available to you.