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. 

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.

Why should I create a home inventory

Many things can happen to your home that might damage it and all of your possessions that are inside of it. America’s Choice Insurance Partners in Wixom, MI has friendly agents who will be happy to help you to understand the benefit to you of creating a home inventory.

What is a home inventory?

A home inventory is a listing of all of your possessions. It should be as detailed as possible. It is not okay to write 10 books. You need to list the books by title and whether they are hardcover or paperback. When it comes to things like TVs and other electronics, you should record the brand name, the model number, and the serial number. The size of TVs should also be noted.

In addition to the written listing, room by room, taking photographs or videotaping your home can also be very helpful. Pay special attention to your higher value items and if they are particularly valuable, having an official appraisal can help you to recoup the actual value of your items.

Where to keep your inventory

First, make more than one copy. Store one of them offsite so that it can’t be destroyed by the same event that destroys or damages your home. Having a safety deposit box to hold your valuables is a good idea but if not, have a friend or family member keep one copy. A waterproof and fire-resistant box can help to preserve this important document at home.

Your home inventory can be one of the most important documents you have when it comes to replacing your possessions after a covered event. In Wixom, MI, America’s Choice Insurance Partners has experienced agents who can help you to understand just how important a home inventory is and how it benefits you. Stop by their office or give them a call. 

What Is the Difference Between Collision and Comprehensive Auto Insurance

America’s Choice Insurance Partners specializes in all types of auto insurance. It is state-mandated in Wixom, MI that all drivers must have their vehicle properly insured before taking to the road. If you are uncertain as to what type of insurance is best for your needs, call and speak to an agent. They can clarify what each type of policy covers and which one would be best for your individual needs.

Collision Insurance

If your vehicle is paid off and you want to protect your investment, collision insurance may be just what you need. With collision insurance, your car will be repaired if it is involved in an accident. Collision policies meet or exceed the state minimum requirements in terms of personal injury and property damage liability. It will protect you from devastating financial loss if an accident occurs.

Comprehensive Insurance

Comprehensive insurance covers everything that a collision policy does but it goes a few steps further and covers theft, vandalism and other types of damage. Basically,  a comprehensive policy covers a wider array of possible events than an accident between two or more vehicles or another object. With comprehensive coverage, the premiums and deductibles will be higher than most other types of policies simply because there is a much higher risk of damage.

In Wixom, MI, residents can always call the agents of America’s Choice Insurance Partners if they are concerned about their auto coverage. If you are buying a vehicle or have just paid one off, call and schedule a review of your policy. This will ensure you have the right type of coverage and aren’t paying for coverage you may no longer need. 



Does motor home insurance cover appliances?

Some choose to forgo motor home insurance in Wixom, MI because they do not believe that having such an insurance policy is necessary. Your RV, after all, is partially covered by your homeowner’s insurance plan if it remains parked on your property throughout the year. Homeowner’s insurance policies do not, however, pay for all damages related to motor homes.

You cannot file a claim if your RV’s built-in stove or refrigerator is destroyed if you only depend on homeowner’s insurance to pay for incidents. A motor home insurance plan, however, does have the capacity to cover appliances inside of your RV.

The agents at America’s Choice Insurance Partners can help you find the motor home insurance policy that is right for your lifestyle. Read on to learn more about RV insurance coverage.

What does RV insurance cover?

Motor home insurance can cover everything from appliances inside of the vehicle to accidents on the road. The best RV insurance plans come with special coverage for your stove and auto insurance perks. Those policies in the top-tier also cover electrical problems that may lead to fires.

How much does a good motor home insurance plan cost?

The price of motor home insurance heavily depends on how much coverage you want. You may find yourself paying the minimum amount for coverage if you do not drive your RV throughout the year. The monthly premium amount may rise slightly if your RV is your semi-permanent home and a source of transportation in Wixom, MI.

Call America’s Choice Insurance Partners

We have been in the business of insurance policies for many years. Our agents will work with you to find the plan that works best for your situation. Call America’s Choice Insurance Partners today to get started with a quote!

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.

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. 

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.

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. 


How to Make a Home Insurance Claim

If a grilling accident in your house leaves a guest injured, a storm damages your home, or a burglar breaks in, the biggest worry is always about whether or not you’ll recover from the loss. Each time an unfortunate event occurs in your Florida or Michigan home, you may be forced to file a claim with an insurance company. But, a claim against a homeowner’s policy comes with various regulations and procedures that you and the insurer must follow. Even though it’s advisable to contact a reliable agency like America’s Choice Insurance Partners in Wixom, MI, it’s still essential for you to understand the claim procedure. Here are the steps to get you started.

Contact the police

If your house has been burglarized or you are a victim of theft, report the case to the police. Be sure to get a police report, including the names of the officers you speak with since you will need to offer these details to your insurer.

Report the incident to your insurance provider

Your insurance provider should be able to inform you if the incident is covered, the duration of filing a claim, and if the request exceeds your deductible. They will let you know the period it’ll take to process the claim and if you’ll need to get estimations of the structural damage.

Fill out claim forms promptly

Once you establish that you can make a claim, your insurer will send the necessary claim forms within a specified time as required by law. Fill them out promptly to avoid delays.

Create a list of damaged or lost items

Since you need to substantiate your loss, create a list of damaged or destroyed items. Ensure you have a copy for your adjuster. Additionally, supply them with available copies of receipts for the damaged or stolen items.

Making a home insurance claim doesn’t have to be complicated provided you take the time to gather information and ask the right questions. Luckily Michigan and Florida residents can rely on America’s Choice Insurance Partners in Wixom, MI for help. Contact us today for more information.


Things to Discuss With Your Teen Before Adding them To Your Insurance

Teenagers bring their own special set of worries to the road. Whether it be learning how to drive or driving on their own, it can be a stressful situation. If you are in the process of raising teen drivers now, or if their time to drive is soon approaching, here are a few things you should discuss with your teen before adding them to your insurance with America’s Choice Insurance Partners serving Wixom, MI and surrounding areas.

Driving is a Privilege

You should make sure that your teen fully understands that driving is not their right, but rather their privilege. They should understand that individuals who do not respect the rules of the road, and the rules of your house, cannot continue to be granted that privilege. Make sure that your teen understands your rules very clearly so that there is no confusion about what is expected of them.

Driving is Costly

You should also make time to explain to your teen the costs that are involved in driving. There is the cost of the vehicle and its maintenance, the cost of insurance, and the costs of tags. Your teen should be well aware of how expensive it can be to break the rules as well. Traffic violations can carry a hefty price tag in addition to the fact that they will also affect your insurance rates. Young people need to understand the truth about the costs of driving.

Poor Driving Practices Have Consequences

Your teen should be well aware of the consequences that are set in place for breaking the rules or getting a ticket. Having a clear consequence in front of them is often a great way to discourage bad driving behavior.

If you would like to learn more about adding teen drivers to your insurance, call our friendly staff at America’s Choice Insurance Partners serving Wixom, MI and surrounding areas.

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.