An RV can be used in many ways. It can be a spacious and fun vehicle for vacations; it can also be an individual or family’s primary residence. In some cases, it acts as both. However you use your RV, you will need to purchase Michigan RV insurance. A great place to find insurance information and expert advice is Frost & Remer.
What Qualifies as an RV?
The first thing you’ll notice when you start looking for insurance is that Michigan RV insurance is a blanket or generic term that covers vehicles from sleek motor coaches to trailers and campers. If you aren’t sure whether the vehicle you’re driving counts as an RV, talk to one of our sales agents. He or she can help you figure out what kind of insurance you need and help you obtain that insurance at the lowest prices you’re likely to find anywhere.
What Other Insurance Do I Need?
There are a few types of policies specific to RVs. The first is vacation liability, which means that if you are using your RV as your primary residence during a vacation and someone is injured while in your vehicle, the insurance company will help pay for that person’s medical care.
You may also hear about full time or “Full Timers” insurance. This provides coverage to those who use their RV as a primary residence year round.
Emergency expense gives you a little extra cash to use in the event of an emergency. If you have been living in your vehicle while on vacation, for instance, and the vehicle breaks down, an emergency expense policy would probably cover a short hotel stay until your RV was up and running again.
Don’t Pay Too Much!
Many insurance plans “bundle” vacation liability and emergency expense as part of their liability and collision coverage insurance. You certainly don’t want to end up paying for the same coverage twice, so read your explanation of coverage carefully, and if you’re still not sure exactly what you’ve got, don’t hesitate to ask the staff at Frost & Remer to explain it to you and to make recommendations about the coverage you really need.