Michigan RV insurance for
every way you travel.

Why RV insurance is different from auto insurance

Your personal auto policy won't adequately cover your RV. A standard auto policy may cover liability while driving a motorhome, but it won't cover the living space, attached equipment, contents, or the unique risks that come with full-time or seasonal RV use. A dedicated RV policy is built for how you actually use your rig.

RV coverage options we shop for you

• Agreed Value — Your RV is insured for a set amount with no depreciation at claim time. Strongly recommended for new and late-model RVs.
• Total Loss Replacement — If your RV is totaled in the first few years of ownership, some carriers replace it with a comparable new model.
• Comprehensive & Collision — Covers physical damage from accidents, fire, theft, weather, and road debris.
• Liability Coverage — Covers bodily injury and property damage you cause while driving or camped.
• Vacation Liability — Extends liability coverage to your campsite when your RV is parked and being used as a residence.
• Personal Effects & Equipment — Covers camping gear, electronics, and personal belongings kept in or on your RV.
• Emergency Expense Coverage — Pays for lodging and transportation if your RV breaks down far from home.
• Full-Timer Coverage — Specialized coverage for those who live in their RV full time, including personal liability and loss of use.
• Roadside Assistance — RV-specific towing and service — critical given the size and weight of most rigs.

What type of RV do you have?

Coverage options and pricing vary significantly by RV type. Class A motorhomes, Class B campervans, Class C motorhomes, travel trailers, fifth wheels, pop-up campers, and toy haulers all have different profiles. We can quote coverage for any of these.

Michigan's travel season typically runs May through October for seasonal campers, though many Michigan campgrounds see traffic year-round. Whether you use your RV for weekend trips to Sleeping Bear Dunes, extended Great Lakes trips, or full-time living, we match your coverage to how you actually use it.