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Don’t let an RV accident ruin your day. Call us today to find out about our RV insurance offerings at Encore Insurance.
People buy RVs for many different reasons. Some love the idea of a home they can take on the road, while others appreciate the comfort of an RV when camping. Due to the versatility of RVs as both a vehicle and home, insurance companies have to take the risks of both into account when calculating premiums.
That’s why it’s a good idea to shop around for RV general liability insurance that fits your lifestyle and needs. With so many different options to choose from, it’s important to understand what each type of RV liability insurance means and what coverage it provides.
At Encore Insurance Group, we offer Michigan residents many options for RV insurance that you can tailor to your needs. No matter what you use your RV for, you can rest assured that we’ll find the perfect policy for you.
What Is RV General Liability Insurance in Michigan?
Every RV in Michigan needs to have liability insurance, according to Michigan law. This insurance will cover any payments for damages or injuries to other people caused by your RV. It’s important to note that this type of insurance does not cover your repair or replacement costs but only third-party damages.
If you want broader protection, you may want to consider more comprehensive options such as:
- Collision insurance, which will pay for any repairs or RV replacement after an accident
- Comprehensive insurance, which provides protection against non-accident damages, such as fires, strong winds, vandalism, or theft
- Uninsured motorist insurance, which covers your medical bills and RV repairs if the other motorist doesn’t have enough insurance to pay for them
Useful Insurance Add-Ons
The good news about RV general liability insurance is that you can tailor it to your needs. The downside is that you’ll need to figure out what you really need.
If you’re planning on spending a lot of your RV time in a campground or as a temporary residence, vacation liability RV insurance may be the best option for you. This type of coverage is incredibly useful when you stop driving and use your RV as a temporary home, as it acts as a form of homeowners insurance that offers coverage for situations other than driving accidents.
Personal effects coverage is essential to replace or repair any items that you take along with you on your RV journey. Roadside assistance will provide you with peace of mind that you’ll always have access to a team of experts if your RV breaks down or you have an accident.
Some insurance companies even offer granular coverage, such as fire and liability insurance for RV owners that fits nicely between comprehensive and RV general liability insurance. It will provide all the benefits of general liability insurance while still protecting you from the most common non-accident RV risk.
Saving on Your Liability Insurance for RVs in Michigan
The cost of your RV liability insurance will depend on many different factors, including:
- The type of RV
- The age and condition of the RV
- Your driving record, including any past accidents
- How often you’ll use the RV
- Where you’re planning to travel
It can be tricky to find a balance between your budget and your insurance requirements. However, you may qualify for discounts that can reduce your premiums, such as safe driver discounts or original owner discounts.
If you use the same insurance company for multiple vehicles or items, you can also qualify for package deals that offer significant savings on all of your premiums.
If you’ve never heard of insurance salvage RV liability insurance, or don’t know what the right insurance is for your RV, get in touch with Encore Insurance Group. We offer insurance solutions for a wide range of situations, and we’d love to help you find your perfect fit.
Give us a call at (248) 466-0200 or fill in our online form to get your ideal RV general liability insurance today!