RV Insurance protects your motorhome, camper, travel trailer, or fifth wheel whether on trips and vacations or if you use your RV as a permanent residence. Depending on how you use your RV, we will ensure that you have all the coverage you need to protect your family and assets.
Ask about Full-Timers Coverage, and adding an Umbrella Policy.
Contact Frost & Remer today to schedule an appointment for your full risk assessment.
Your RV is more than a car. It’s a pathway to freedom. It is a carefully determined investment and your home away from home.
Because a Recreational Vehicle, or RV, is different from a car or a home, the insurance needed for an RV is also unique. Given these differences, finding an insurance rate that gives you the coverage that you want, the safety that you need, and all at a price that you can afford can seem challenging.
Frost & Remer can help you understand whether you need RV insurance, the coverage it includes, and how much it can cost.
Do you need RV insurance? Is it required?
Driving an RV means that there are unique adventures available to you, but there are also unique risks.
The insurance you carry for your home or automobile is different from your RV insurance, whether it is a towable RV or one that you drive. For this reason, you’ll need a policy separate from your homeowners and auto insurance to cover your RV. These policies, however, can all be bundled to make them more affordable.
Types of vehicles and trailers that RV insurance covers
Coverage for an RV you drive
An RV you drive can be considered both a motorhome and a vehicle. In terms of your insurance coverage, the insurer will treat it more similarly to a vehicle.
RVs you drive that are covered by RV insurance could include the following:
- Type A, B, or C motorhome
- Fifth wheel
- Mounted truck camper
- Camper van
Coverage for a towable RV
If you are driving a towable trailer in Michigan with more than two wheels, you’ll need insurance to take it on the road.
Towables that are covered by RV insurance could include the following:
- Pop-up trailer
- Folding camper trailer
- Expandable travel trailer
- Conventional trailer
- Sport utility trailer
- Teardrop trailer
If your trailer only has two wheels, insurance is not mandatory but it is advisable. If the unexpected occurs, you’ll want the coverage you need to manage anything that arises. This could include additional collision and comprehensive coverage, but likely not liability, as liability coverage for your vehicle used to tow the trailer often covers the trailer as well.
The coverage that comes with RV insurance
Depending on how you use your RV, Frost & Remer can ensure that you have all of the coverage you need to protect your family and assets.
An RV insurance policy uniquely protects you with the following types of coverage options:
- Liability: This covers unintentional bodily injury and property damage to others when you are legally liable. 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: This pays for physical damage to your RV caused by a collision. It covers you regardless of who is at fault. It also covers property damage and damage that is the result of an accident.
- Comprehensive: This provides coverage for non-collision losses including fire, theft, glass breakage, and vandalism. It covers your RV up to the fair market cost, after you’ve paid your deductible.
- Medical payments coverage: This pays medical bills for you or others injured as a result of the use of your RV regardless of who is at fault.
- 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.
- Emergency expense/towing coverage: Many policies will provide you with coverage for breakdown, towing costs, and other emergency expenses.
- 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, and you will have increased liability risks.
RV insurance add-ons that some policies offer
There may be extra features that are not covered by a traditional RV insurance policy. The ability to add extra protection can vary by policy and by vehicle. Added protection can include the following:
- Electronic equipment coverage
- Water damage coverage
- Pet protection
- Custom equipment coverage
How much does RV insurance cost?
The costs associated with RV insurance are determined by several factors, including the following:
- Type of vehicle
- Age and condition of vehicle
- Usage of vehicle
- Your driving history
- Your needs
Because these factors can vary so much, RV insurance costs have a wide average range, from as low as $200 a year for a towable RV, to $1,300 a year for a premium motorhome.
Costs can also vary based on the insurance coverage limits and deductibles you choose. The higher your limits are, the more your coverage may cost as you will have more protection. Whereas a higher deductible could lower your coverage costs but means you pay more out of pocket before you’re coverage kicks in.
RV insurance protects your motorhome, camper, fifth wheel, or other recreational vehicle whether you use it for trips and vacations or you use your RV as a permanent residence. Frost & Remer can help you assess these factors and the types of coverage available so that you can get a policy that not only protects you, but is also affordable.
How Frost & Remer can help
The unexpected can happen at any time. This is why Frost & Remer is here to help with knowledgeable and experienced agents. We’re ready to help walk you through the policies that best fit your lifestyle and help you through those unexpected moments when preparation counts the most.
Schedule a virtual appointment for your full policy review and risk assessment from Frost & Remer. Ask about full-timers coverage and adding an umbrella policy.
We will make recommendations to ensure that you have the best coverage possible, with a premium you can afford so that you can feel confident on the road.