RV Insurance Services

RV Insurance in Michigan

Whether you are a longtime RV-driver or you've only just joined the ranks of the thousands of RV owners in Michigan, there's no better time than the present to make sure you have everything you need. Spare tires, check. Toiletries, check. Water filter, check. RV Insurance? If you haven't checked this off just yet, you can't legally take your RV out on the road. And yes, that's in the Mitten State and beyond.

That's why we make RV insurance a top priority at Viking Insurance Agency. Here's what you need to know about insurance laws and why a good policy is so important:

Michigan Insurance Laws

Unless you plan to drive your RV year-round, you don't need to insure it every day of the year. Instead, you only need insurance when driving the vehicle on the road (and yes, in the legal sense, your RV is a vehicle). RVs that are for personal, recreational use can be insured in Michigan up to 250 days a year. For those who plan on spending more time in their RVs, the vehicle may be better suited for a full, year-round policy. It's also worth noting that standard RV policies do not cover the personal items inside the vehicle, but they can with additional insurance coverage or separate policies.

Driving an RV without Insurance Can Have Serious Consequences

If you get caught driving your RV without proper insurance, the repercussions can be quite severe. You can face hefty fines, sometimes even greater than those for conventional uninsured vehicles (due to the RV's size and potential to do damage). If you are in an auto accident without insurance, you can face not just fines but also have to pay for costs fully out of pocket. Having a good insurance policy in place prevents this.

Ready to get started on finding the perfect RV insurance policy for you and your vehicle? Give us a call or come stop by our Viking Insurance Agency office in Waterford Township. We look forward to getting you ready for the open road!

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RV Insurance Types

When it comes to auto coverage, more is better than less. We can help you get the following coverages:

• Liability Insurance
• Uninsured Motorist Protection
• Collision Insurance
• Medical/Personal-Injury Protection
• Comprehensive Insurance
• No-Fault Insurance