RV Insurance in Michigan

Many Michigan residents enjoy traveling and camping in recreational vehicles. RVs give you the opportunity to get away from it all while still enjoying many of the creature comforts of home. This may explain why residents of the Wolverine State spend more than $150 million a year on RV sales and service.

Whether you are taking your recreational vehicle to one of Michigan’s scenic lakeside campgrounds or using it to tour the US and Canada, you can protect your investment and your finances with a good RV insurance policy.

Local independent agents are free to work with some of the best RV insurance companies in Michigan to help you find a good policy at a great price. Find an independent insurance agent near you to start comparing customized quotes.

What Is RV Insurance?

A recreational vehicle, or RV, is a motorized vehicle or trailer that includes living quarters like a sleeping area and a kitchenette. Because RVs serve a dual purpose as a home as well as a vehicle, they need the specialized insurance coverage that only an RV insurance policy can provide.

RV insurance is a hybrid of homeowners insurance and car insurance. Your policy can be customized to meet your specific coverage needs according to the type of recreational vehicle you own and how you use it.

How Much Does RV Insurance Cost in Michigan?

The average cost of an RV insurance policy in Michigan is $4,490 a year, which is on the high end for the country. Of course, rates can vary significantly from one recreational vehicle owner to the next because they are based on factors like:

• The type and class of RV you are insuring as well as its length and weight
• The value of the personal property you keep in your RVs living quarters
• The estimated number of miles you plan to drive your RV per year
• The estimated amount of time you plan to spend living in your RV per year
• Your driving record, claims history, and credit score
• Which, if any, coverage options you want to include in your policy

To find out how much it will cost to insure your RV, you can contact a few competing insurance companies to ask for customized quotes. Or, if you prefer, an independent insurance agent can save you the hassle by doing this on your behalf.

Is RV Insurance Required in Michigan?

If your RV is a non-motorized towable, like a fifth wheel, pop-up camper, or travel trailer, you are not required by law to insure it with an RV policy. Instead, you can purchase an endorsement on the policy of the vehicle that will be used to tow it.

If your RV is self-propelled, like a motorhome or camper van, you will be required to have RV insurance. Your policy will be held to the same coverage requirements as your car or truck. 

What Does Michigan RV Insurance Cover?

Michigan is a no-fault state. This means that if you are in a collision, your own insurance policy will provide the first line of coverage, regardless of fault. A minimum-coverage RV insurance policy must include the following:

• Liability insurance: This covers other people’s medical bills and property damage if you cause a collision and the resultant costs exceed what their insurance can cover. It also provides coverage if you cause an accident while driving in an at-fault state. Your policy must include, at a minimum:
  • Bodily injury liability insurance: $50,000 per person/$100,000 per accident
  • Property damage liability insurance: $10,000 per accident
• Personal injury protection (PIP) insurance: This covers medical bills, lost wages, and other related expenses if you are injured in a collision, regardless of fault. You can opt out of this insurance if you have a qualifying healthcare plan; otherwise, you must purchase coverage in your choice of the following available amounts:
  • $50,000
  • $250,000
  • $500,000
  • Unlimited
• Property protection insurance (PPI): This is designed to pay for up to $1 million worth of property damage you may cause to stationary or fixed objects like parked cars, buildings, fences, barriers, road signs, and guardrails if you hit them with your vehicle. This coverage is valid only for accidents that occur in Michigan.

RVs are larger and heavier than most vehicles on the road, so if are responsible for a collision while driving one, you are likely to cause a lot of property damage and potentially serious injuries to others. Because of this, you may want to purchase liability insurance in higher amounts than the state requires.

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What Else Can Michigan RV Insurance Cover?

In addition to the mandatory coverage mentioned above, RV insurance companies typically offer a wide variety of coverage options. This lets you customize your policy according to your specific coverage needs and how you use your recreational vehicle.

Optional coverage that is popular in Michigan includes:

• Full coverage: This covers physical damage to your RV. If you have financed your vehicle and are still making payments on it, your lender will likely require you to have this insurance. Full coverage includes:
  • Collision coverage: This can cover the cost to repair or replace your RV if it is damaged or totaled in a collision, regardless of fault.
  • Comprehensive coverage: This can cover the cost to repair or replace your RV if it is damaged or totaled in a non-collision event like a flood.
• Uninsured motorist coverage: This can cover medical bills that go beyond what your policy’s PIP coverage can pay for if you are injured in a collision caused by an uninsured driver.
• Personal liability coverage: This is ideal if you live in your RV full-time. It provides the same protections you would typically get with a conventional homeowners or renters insurance policy. It can provide coverage if you unintentionally cause injuries, property damage, or other harm to others.
• Vacation liability coverage: This is ideal if you use your RV for vacation trips to various campgrounds. It can supplement the liability coverage you already have through your home or renters insurance policy to provide more robust coverage if you are unintentionally responsible for property damage or injuries while staying at an RV park.
• Contents coverage: This is a good idea if you keep a significant amount of personal property inside your RV. It can pay to repair or replace your belongings if they are lost or damaged by a covered event like a fire, severe storm, or burglary.
• Towing and roadside assistance: RVs are large and require specialized towing and service if they become disabled while you’re out on the road. This coverage lets you rest assured that a call for service will not set you back financially.
• Umbrella insurance: Because you have a high risk of causing serious injuries or property damage if you cause a collision while driving your RV, you may want even more liability coverage than your RV policy can offer. Umbrella insurance enables you to purchase a high level of liability coverage at an affordable price.

Some of the coverage options listed above (particularly vacation liability insurance) may be required by campgrounds before you can park your RV there. Be sure to check in advance to make sure your policy is compliant with the requirements at your intended destination.

What Are the Best RV Insurance Companies in Michigan?

The best RV insurance companies are the ones that have a proven track record of providing excellent customer service, reliable coverage, and competitive rates.

Independent insurance agents in Michigan have teamed up with some of best insurance providers. This means that you can be sure that any policies and rates your agent presents you with are coming from trustworthy providers.

How Can an Independent Insurance Agent in Michigan Help?

If you are looking for a reliable RV insurance policy that meets your coverage and budgetary needs, you can benefit from talking to a local independent insurance agent. These agents can offer guidance and advice and can shop around to find you a good policy at a great price.

Discover the many benefits of having a local insurance professional on your side. Set up an obligation-free consultation with an independent insurance agent near you to start comparing customized RV insurance quotes.