With its many lakes and campgrounds, Wisconsin is a dream come true for RV owners. Whether you’re on a statewide tour or just visiting Merrimac for the weekend, your motorhome often serves as your home away from home. Along with the enjoyment it brings, owning a recreational vehicle increases your risks on the road. You can protect your investment with Wisconsin RV insurance.
Each state has its own set of rules and regulations for RV owners. Wisconsin specifications include the following:
There are many different types of motorhomes available. Each is characterized differently and meets a different need:
Each type of RV listed above is unique. The same is true for Wisconsin RV insurance, so learn which coverage is best for the type of motorhome you own before purchasing a policy.
Wisconsin RV insurance policies protect you and your vehicle in a number of invaluable ways. If you own a motorized RV, and not a trailer-type, you will need state mandated liability coverage, at the very minimum. This will be included in your RV policy, to cover bodily injury and property damage claims against you after an accident.
Comprehensive and collision coverage is helpful if your RV is damaged and you need to repair it without paying out of pocket. Some policies also cover emergency expenses that occur after a collision, including unexpected hotel costs.
If you’re on vacation and someone else damages your RV while it is parked, vacation liability may be a good option. Personal effects replacement is another policy benefit that would help you replace items if your motorhome is burglarized. And if you choose to live in your RV year-round, a full-timers package may make the most sense for you.
If you are unsure about what to include in your RV policy, a local agent can help you determine your insurance needs, based on the vehicle type, where you travel and your driving record.
If you gather Wisconsin motorhome insurance quotes from direct companies, keep in mind each company’s representative is only able to offer the insurer’s own products. An independent agent, however, can find coverage from a variety of insurance companies. This means you’ll likely have more options available to you, specifically tailored to your situation. Deciding on the proper RV coverage is often a challenge, so take advantage of the expertise a local, independent agent in the Trusted Choice® network offers.
The Trusted Choice network includes thousands of member agents ready to provide individualized, personal assistance to you. Contact an agent today, and get Wisconsin motorhome insurance quotes, so you can hit the road with peace of mind.