Drive your recreational vehicle (RV) with confidence! Call Encore Insurance today at 248-466-0200 for a quote.
Most people take vacations to clear their minds and relax. However, gaining peace of mind proves elusive if you find yourself driving around uninsured.
At Encore Insurance Group, we offer a range of RV coverage options to suit your intended use. Read on to discover the different types of RV insurance plans that we provide to our fellow Michigan residents.
What Does RV Insurance Cover?
At Encore Insurance, our friendly agents can help you custom-tailor an RV insurance policy that affords you the coverage you need at competitive rates. Whether you want liability, collision, or comprehensive coverage, our team will work with you to create an RV insurance package that will protect you and your family when you need it most.
Generally, RV insurance will cover recreational use for a maximum of 250 days a year. If you use your RV more than 250 days per year, you will need full-time RV insurance.
Liability insurance covers any injuries or property damage that your RV causes during an accident.
Collision insurance covers damage that your RV suffers as a result of accidents involving other vehicles or structures.
Comprehensive insurance provides extensive coverage against injuries and property damage caused by third parties, fires, floods, falling objects, vandalism, and more.
Vacation Liability Insurance
Most forms of insurance only cover you while driving. Vacation liability insurance covers personal liabilities while your RV remains parked, such as a guest’s slip-and-fall accident.
Personal Effects Insurance
Personal effects insurance covers items in the recreational vehicle that become damaged, lost, or stolen.
Uninsured coverage provides benefits if you suffer an injury or property damage due to the fault of an uninsured or underinsured individual.
If you plan to drive your RV extensively, inquire as to whether your insurance policy includes roadside assistance. It can save your family vacation from turning into a complete flop.
Do I Need RV Rental Insurance?
Protect your financial future with RV rental insurance. If you plan to rent an RV and hit the road for a family vacation, you will need RV rental insurance. Recreational vehicles cost a lot of money, and repairs become exorbitant if you need rare replacement parts. Avoid the headache of negotiating with the rental company, and let our agents do the talking.
RVs take up a lot of space and weigh several tons. As a result, they can cause considerable damage if involved in an accident. The liability you might face if you hurt someone while driving uninsured could wreck your entire financial future.
Do You Offer Full-Time RV Insurance?
As a full-service RV insurance agency, we provide full-time RV insurance to select customers. During occasional downturns in the economy, our agents at Encore Insurance see an influx in applications for full-time RV insurance.
How Much Does RV Insurance Cost?
Be sure to work with one of our courteous insurance agents to find out how much RV insurance will cost you. One main factor in determining the cost of insurance involves the type of RV on the policy. For example, RV trailer insurance may cost less than motorized RV insurance. Some of the other factors that affect the price of an RV insurance policy include:
- Your driving record
- Frequency of use
- Location of the RV
- Overall condition of the vehicle
- Intended travel destinations
- Your budget
Does Encore Insurance Offer Discounts?
The insurers we represent provide a number of discounts for qualifying customers. Some of our most popular deals include those for:
- Safe drivers
- Loyal customers
- Original owners
- Members of professional organizations