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.
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Review Wisconsin’s Recreational Vehicle Requirements
Each state has its own set of rules and regulations for RV owners. Wisconsin specifications include the following:
- An RV must not stand over 13 ½ feet tall.
- An RV must not exceed 8 ½ feet in width.
- The maximum motorhome length is 40 feet.
- Safety chains are always required.
- The maximum towing speed is 65 mph.
- A brake hook-up is required on all towed vehicles over 3,000 pounds.
Compare the Types of RVs in Wisconsin
There are many different types of motorhomes available. Each is characterized differently and meets a different need:
- Class A motorhomes are the largest RVs you’ll find on the road.
- Class B motorhomes are small RVs, essentially camper vans with some amenities.
- Class C motorhomes are mid-size models, also called mini-motorhomes.
- Motorhome bus conversion refers to a bus that has been converted into an RV.
- Travel trailers are motorhomes attached by a trailer hitch to make them towable.
- Fifth wheels are attached to a truck by a fifth wheel hitch and towable.
- Truck campers are add-on campers attached to the bed of a truck.
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.
Consider Your Wisconsin RV Insurance Coverage Options
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.
Find Affordable Wisconsin RV Insurance Quotes
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.