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.  

4 critical things to consider when buying RV insurance in Wixom, MI

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.

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!

Is a Michigan home insurance plan a necessity?

In the Wixom, MI area, there are a lot of advantages that will come to property owners. If you are going to buy your home here, you will enjoy having a stable place to call home as well as the price appreciation that happens over time. If you buy a home in this area of Michigan, it is important that you get the right insurance for it. You can do this with a home insurance plan. This insurance should be considered a necessity for a few reasons.

Insurance is Required by Lenders

A key reason to get a home insurance plan here is that it is required by mortgage lenders. Taking out a mortgage can be a good way to drastically improve your buying power. If you would like to own property when in this area and you do take out a loan, your lender will want to know that your home is protected. They will require you to take out an insurance plan and keep it active until they are paid off. 

Insurance Covers Asset

Even those that do not have lender insurance requirements to meet should get insurance for their home. There will likely never be a more valuable asset that you own than your home. Because of the importance of this asset, having the right insurance coverage in place is a necessity. If you get this insurance, it will provide the protection needed to repair your home following a hazard. 

Wixom, MI property owners need to ensure that they have the right insurance. The team with America’s Choice Insurance Partners can make this much easier for you. Those that contact America’s Choice Insurance Partners will learn a lot about the different insurance options that they have. This coverage will keep you properly protected at all times. 

Is It Time to Update Your Auto Insurance Policy?

When it comes to having the right auto insurance, one of the things you want to do frequently is see about any needed updates. That’s because your coverage needs can change. As they do, you want to make sure you’re keeping up with them to avoid putting yourself or others at risk. If you’re in the Wixom, MI area, America’s Choice Insurance Partners can help with your auto coverage needs so you can have security and peace of mind. Don’t settle for anything less than the strong level of coverage you want and deserve.

There are some specific reasons that could signal a need to update your car policy. Those could include a new driver, a new vehicle, a change of address, and more. Even if you haven’t had any major events happen in your life recently, it’s a good idea to go over your policy with your agent at least once per year and see if there are any changes needed. It’s often easier to make smaller changes as they come around, instead of having the same policy for years and then realizing that you need to make a lot of adjustments all at once.

Reach out to us today at America’s Choice Insurance Partners if you’re in the Wixom, MI area. We’re here and ready to help you find the auto insurance policy you need so you can have adequate coverage. Our dedicated agents will take a look at your current policy and see what types of updates might be right for you. Then you can have a policy you feel good about, so you won’t have to worry about your coverage or miss out on any valuable changes that could help you have a more comprehensive level of protection for your vehicle.

Do I need to get RV insurance when I am in Michigan?

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. 

Commercial Insurance: Who Needs It?

Commercial insurance is a form of liability protection. It is aimed for businesses and corporations to provide them coverage for their variety of business needs. Its core is to protect the business and its employees from any outside threat that could harm the prosperity of the business. Again, it all depends on the business or corporation’s needs.

Why Do Businesses Need It?

In some states like Michigan, it is required businesses to have some form of commercial insurance if their business has a staff of 35 or more. Still, why do your businesses need it? Commercial insurance helps protect your businesses by covering costs from those unexpected outsides of your control events with helping deal with covering property damage costs or liability claims that could otherwise be financially crushing to your business.

Finding the Right Commerical Insurance Style for your Business

There are a variety of types of commercial insurance so there is sure to be one that will match your business needs. The basic is called Business owner’s policy or BOP. A type of business liability coverage it deals in protecting your location, your assets, and properties items like tools, document, and furniture. Some other styles include Business income insurance, which covers you if your business has to close covering your operation losses. At America’s Choice Insurance Partners in Wixom, MI they host all your commercial insurance options to select.

Talk to an Agent

With a wide list of options talking to an agent can help to find the right one for your business. America’s Choice Insurance Partners in Wixom, MI our services can guide you through all the commercial insurance coverage we offer. For the best security coverage to protect your business with the best service to you.

Required Auto Insurance in Michigan

Auto Insurance

In Michigan, you are required to have several different types of coverage in your auto insurance policy. To make sure that you get the right auto insurance, call us at America’s Choice Insurance Partners in Wixom, MI to make an appointment to talk to an agent. An agent can go over various coverage types and help you to get the insurance that you need.

Michigan Coverage

There are three main parts that make up the requirements of a Michigan auto insurance policy. These are property protection, personal injury protection, and residual liability. If a policy has all three of these parts in at least the mandatory minimum amounts, their auto insurance is legal for them to drive. 

Personal Injury Protection

This type of auto insurance coverage is the medical part of a Michigan auto policy. There are several options that customers can choose from in their PIP. Each of the choices offers a specific amount of coverage as well as offering wage protection in case you can’t work due to injury. 

Property Protection

This coverage typically requires having a large amount of property damage coverage. However, this is good only in Michigan. It doesn’t pay for damage to someone else’s property that is out of state. This coverage does pay for any damage done to other cars that are properly parked, but it doesn’t cover other damage to vehicles.

Residual Liability Coverage

This type of coverage covers a mandatory minimum amount of damage that you do to a vehicle outside of Michigan. It also provides liability coverage if someone is injured or killed in an accident. 

Getting Your Insurance

To stay legal, call us about your auto insurance needs. At America’s Choice Insurance Partners in Wixom, MI, we’re here to help. 

Exploring Some Common Misconceptions Regarding RV Insurance

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.   

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.