Recreational Vehicle Insurance in Grosse Ile, MI
Traveling in a recreational vehicle (RV) comes with specific insurance needs. At Katie Maldonado Insurance Agency, we help RV owners safeguard their finances with a policy that matches their budget, needs and lifestyle.
What Does a Policy Cover? 
Policy inclusions can vary depending on your needs and preferences. However, a standard RV policy typically offers the following:
- Liability coverage can help protect you financially if you’re responsible for third-party injuries or property damage while operating your RV.
- Comprehensive coverage can cover repairs caused by fire, theft, vandalism and natural disasters.
- Collision coverage can help pay for repairs if your RV is damaged in an accident, regardless of who caused it.
- Personal injury protection (PIP) can cover medical expenses and other losses for you and your passengers following an accident.
- Uninsured/underinsured motorist coverage can cover your damage if your RV is hit by an at-fault driver who lacks sufficient insurance coverage.
Depending on your circumstances, you may add coverage for personal belongings or roadside assistance to your policy. Talk to your broker to learn more.
How Much Does a Policy Cost?
RV insurance premiums can depend on several factors, including:
- Driving history
- Location
- Use habits (e.g., annual mileage and use as a primary residence)
- Claims history
- RV characteristics (e.g., type, size, model, etc.)
- Deductible
- Policy selections
Who Needs This Policy?
Michigan law requires RV owners to secure minimum amounts of liability and PIP coverage for their motorized vehicles. Nonmotorized RVs, such as travel trailers, can be covered by the towing vehicle’s auto insurance. Lenders and campground owners may also ask for proof of a policy.
Our team recommends coverage for:
- Motorhome owners (Class A, B, or C)
- Camper and travel trailer owners
- Fifth wheel and pop-up trailer owners
- Anyone who stores valuable items in their RV
Where Can I Purchase RV Insurance?
Contact Katie Maldonado Insurance Agency today to learn more about your coverage options or request a personalized quote.