Call Now 248-466-0200

6 Benefits of Choosing the Best RV Insurance Companies

March 25, 2022 General

If you’re in the market for RV insurance, you shouldn’t simply choose the first company that crosses your path. Having the right RV insurance coverage from the right agent is an important step in optimizing your RV ownership. And unfortunately, some companies are simply more reliable and easier to work with than others. 

Instead, taking time to search for an insurance agent that can help you find the best RV insurance policy is worth it. Read on to learn six benefits of choosing the best RV insurance companies. 

  1. Expertise

Insurance laws, terms, policies, and procedures can be complicated. However, working with an insurance agent, like Encore, can provide you with the expertise to make the most informed decisions about your coverage. 

For example, insurance agents can break down the difference between liability insurance and vacation liability coverage, helping you understand what coverage you need based on your habits. They can also clearly explain your coverage and limits to help you understand your policy better. 

Your insurance agent also has the necessary knowledge of state insurance guidelines and laws. For example, in Michigan, RV owners need to have no-fault insurance at a minimum to register their vehicles. 

Working with an insurance agent or company that does not know Michigan insurance laws can place you at risk of having insufficient coverage in the eyes of the law. However, choosing the best agent can help you feel confident in your coverage and know you always have access to an insurance expert. 

  1. Affordability

Purchasing RV insurance doesn’t need to break your budget. The best insurance agent knows the tricks of the trade to reduce your premiums and find the cheapest coverage options for your needs. 

For example, your agent can help you understand which coverages to suspend during seasons that you do not use your RV, such as the winter months. They can also help you adjust your coverage limits to ensure you have the coverage you need without paying more than you should. 

The best RV insurance agents aren’t only trying to make a profit — they genuinely want to help their customers save money. As a result, our agents have no problem walking you through steps to reduce your costs. 

  1. Customer Service

Another benefit of choosing the best RV insurance agents is gaining access to excellent customer service whenever you need it. While you probably won’t need to communicate with your insurance provider too frequently, you want to be sure that your insurance company and agent will be willing and available to help you whenever you need to. 

Having access to friendly, helpful customer service is especially important after an accident. RV accidents can be incredibly stressful, and having an insurance provider and agent on your side who is willing to work with you through your stress is valuable. The best insurance companies are patient and kind as they help RV owners navigate accident claims. 

  1. Coverage Options

In Michigan, you only need to have base-level coverage on your RV to drive it. However, it’s typically a good idea to purchase additional coverage beyond this minimum requirement to have the insurance you need in various scenarios. 

Choosing one of the best RV insurance agents in Michigan can ensure that you have access to a range of coverage options and can tailor your coverage to your specific needs. Insurance companies will typically offer the following coverage options at a minimum: 

  • Liability insurance
  • Collision insurance
  • Comprehensive insurance
  • Vacation liability insurance
  • Personal effects insurance
  • Uninsured coverage

However, many companies offer additional coverage that you can purchase on top of these policies, such as:

  • Roadside assistance
  • Pet injury coverage
  • Full timer’s liability coverage
  • Emergency expense coverage
  • Roof protection
  • Pest damage protection

Working with an agent can give you access to all of the coverage you need to maximize your insurance investment and feel confident using your RV. 

  1. RV Options

Not all insurance companies offer coverage for all RV classes. Some companies only cover class A and B vehicles while excluding coverage for other camper vans, motorhomes, and trailers. Using an insurance agent they can help you find the best company for your options.

However, the best RV insurance companies provide insurance options for all types and classes of RVs, ensuring that they can provide the coverage you need for your vehicle. Working with an insurance agent can also make it easier to purchase an additional policy should you buy another RV down the line. 


Cost is one of the most important factors to consider when purchasing a new insurance policy. However, the best RV insurance agents make it easy to understand their costs with free, user-friendly quoting systems. 

Most top insurance companies agents, like Encore, offer free quotes on their websites, allowing you to input a few pieces of information to receive an estimate of their costs. 

Companies with easy quoting processes can allow you to review your estimated costs quickly and determine whether those prices fall within your budget. Once you begin a policy with these companies, you can also use their easy quoting procedures to assess how your costs could change if you alter aspects of your policy. 

At Encore Insurance, we work with some of the best RV insurance companies in the industry. Our independent agents can help you choose the right insurance provider for your specific needs and walk you through securing coverage for your RV. 

Contact our Encore Insurance team today at 248-466-0200 to get a free quote with our top-level insurance companies.