Michigan’s state license plates declare it to be a “Water-Winter Wonderland.” Its vacation spots are the destination for millions of tourists every year in all seasons. Many of these visitors arrive in recreational vehicles (RV’s). U.S. ownership of recreation vehicles has reached record levels, according to a 2005 study by the University of Michigan’s Survey Research Center. Whether you are a new RV owner or you are looking for different insurance you should be sure you have proper coverage before hitting the road.
You may have a homeowners policy and an automobile policy, but you may not be properly covered until you have purchased a policy that will specifically cover your RV. An independent agent in the Trusted Choice® network can help you find the policy that is right for you. Your agent will help you compare quotes from several different insurance companies and help you find the right Michigan RV insurance for your needs. Contact a local member agent today to get started.
State Recreational Vehicle Specifications
- Trailer brakes must apply at least 3,000 lbs. of pressure
- The gross vehicle weight must not be more than 700 lbs. per inch of tire
- You are allowed to triple tow
- The height must not exceed 13 ½ feet
- The width must not exceed 8 feet
- If towing, the vehicle must be equipped with breakaway chains
- The combined maximum length for a travel trailer is 59 feet
- The combined maximum length for a motor home is 65 feet
- If you are towing an RV in Michigan the maximum tow speed is 55 mph
Types of RVs
Motorhomes come in many different sizes, styles and values, which will affect the type and amount of rv insurance you need. Some of the most common types of RVs include:
- Class A motorhome
- Class B campervan
- Class C motorhome
- Truck camper
- Popup camper
- Travel trailer
- Teardrop trailer
- Hybrid trailer
- Fifth-wheel trailer
- Park model
- Toy hauler
Michigan RV Insurance Options
The coverage you need is dependent on many factors. Among them are whether your RV is towed or self-propelled, where you travel and how much total time you spend in your RV. Full-timers need a more comprehensive type of coverage than those who only use their recreational vehicles occasionally, for example.
- Bodily injury and property damage liability: This covers you for your legal liability up to the limits of your policy for damages or injuries that you cause. The policy will also provide you with defense coverage if you are sued.
- Collision coverage: This covers your vehicle if it is damaged or destroyed in an accident.
- Comprehensive coverage: This is “other than collision” coverage and will cover such things as damage to your RV caused by wind, vandalism or theft.
- Medical payments coverage: This pays medical bills for you or others injured as a result of the use of your RV regardless of fault.
- Emergency expense/towing coverage: Many policies will provide you with coverage for breakdown, towing costs and other emergency expenses.
- Uninsured/underinsured motorists coverage: This protects you if another party causes you bodily injury and that party is uninsured or does not have adequate coverage.
- Full-timers coverage: If your RV is your full-time residence, you need specialized coverage for adequate protection. For example, you may have more valuables on board if your RV is your full-time home, and you will have increased liability risks.
Compare Michigan Motorhome Insurance Quotes
You will have many options in choosing the right Michigan RV insurance, and the choices you make should reflect your unique use of your vehicle. Additionally, the costs of coverage can vary considerably from one insurance company to another, so it is important to review Michigan motorhome insurance quotes from several different carriers.
An independent agent in the Trusted Choice network can help you compare multiple quotes and find the right policy for you. Contact a local member agent for assistance with all of your insurance needs today.