Why Is RV Insurance Necessary?

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.

Do I need RV insurance for an older RV?

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. 

What Michigan RV Owners Need to Know about Storage and Protection

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. 

Three Ways RV Insurance can Make Your RV Experience More Enjoyable

Many people love getting away and often purchase RV’s expressly for this purpose. RV’s add convenience and fun to any trip or adventure. However, as with a car or any type of vehicle, accidents and unforeseen situations can occur. RV insurance has many options depending on your lifestyle and personal needs. This insurance can cover accidents and add a layer of protection for everyone involved as well as the RV itself. America’s Choice Insurance Partners serve Wixom, MI and the insurance functions similarly to car insurance but can come with additional options that go beyond the required liability coverage.

Collision
Even with the best-laid plans, accidents can happen. In the event of an accident, if your RV is damaged or totaled, collision coverage can cover the repairs or replace your RV. This creates peace of mind and allows you to enjoy your adventure instead of being worried about what-ifs. This type of coverage creates personal peace of mind because it can cover repair charges for damage to your vehicle when you are at fault. It covers your RV only. 

Property
Owning an RV is a lot like owning both a home and a vehicle. In fact, an RV is the merging of both a vehicle and a home, making it a motor home. As a result, vehicle insurance would stop short of covering all the areas that would need to be covered for an RV owner. Just like your home, your RV contains personal belongings and items you need to live. This is one of the many reasons why property coverage is important. In the event that any of the belongings inside your home become damaged, property insurance can replace those items. It makes it easier to relax and enjoy your RV when you know that your personal items are covered in the event of some unforeseen situation.

Comprehensive
We all know how difficult or impossible it can be to predict acts of nature or accidents that aren’t caused by other vehicles or RV’s. However, these situations often take place. Comprehensive coverage is your peace of mind against weather, vandalism, and damage from nin-vehicular objects. This coverage has the ability to create peace of mind in knowing that should an unexpected storm or situation take place, your RV is covered.

Owning an RV can be fun and exciting, especially when you have all the necessary safeguards in place. Make sure that you get the coverage that fits your wants and needs. It will make all your trips more enjoyable and carefree. 

 

Beginners Guide to RV Insurance

RV insurance is protection against the loss of your recreational vehicle. It doesn’t just protect you if you have a motorhome; it can also cover small campers, fifth-wheel trailers, travel trailers, and truck campers. This type of insurance functions similar to an auto insurance policy, but covers as a hybrid home and auto insurance policy.

Do You Have to Have RV Insurance?

If you are driving your RV in Wixom, MI, you are going to be required to have insurance. If you are only towing an RV, then insurance is likely optional. You may be required to have insurance if you’re a purchasing your RV through a lender. You may still want to consider RV insurance, even if you don’t have to have it, because you can never have too much insurance.

What Does RV Insurance Cover?

A traditional auto insurance policy will treat the RV as a regular car so that it won’t cover any living spaces, such as a kitchen or bathroom. An RV insurance policy will cover what you have to deal with on the road, along with your personal belongings for the living areas. There are some additional coverage options, such as personal attachments coverage, that will cover things like TV antennas and awnings. Roadside assistance will cover you if your RV breaks down from mechanical or electrical failure. Pet injury coverage will cover incidents if you live with a pet in the RV.

Types of RV insurance

When figuring out which insurance to purchase through America’s Choice Insurance Partners, know how you will use your RV. Full-time insurance will provide liability coverage like a homeowners policy would, and it is useful if you are living in your RV. Part time insurance is good if you are using your RV part-time, or at a campsite.

Contact America’s Choice Insurance Partners, serving Wixom, MI, to get a quote on RV insurance.