Owning a recreational vehicle, more commonly known as an RV, can sure be a luxury no matter what you use it for, whether it is your traveling home, a vacation vehicle, or just a bigger vehicle to use for camping. The fact that it doubles as a home and a vehicle also will bring some extra costs when shopping around for RV insurance.

For the most part, RV owners enjoy parking at campgrounds and if you are one, some of the most well-known and highly rated campgrounds and resorts are White River, Harbortown, Hill & Hollow, and Lakeshore Park in Michigan. Depending on what you plan for activities and how you want to spend your time though, it is best to see what each place offers and allows.


What Does RV Insurance Cover?

Even though the inside of your RV may be more of a home, it is still a vehicle and is treated as such. In that case, the majority of the insurance options are mainly aimed towards the vehicle side of it, very similar to automobile insurance. Also, our options may be limited depending on the style of RV you own. The basic and most common types of coverage for RVs are the following:

Collision Coverage

When your vehicle is damaged in an accident, this coverage option will help with any payments made towards repairs and in some cases, replacement of your RV.

Comprehensive Coverage

Comprehensive coverage will cover any damage to your RV that is not caused by a collision. This option will cover payments that are caused by theft, vandalism, severe weather, or other natural disasters.

Liability Coverage

Liability will come in handy should you find yourself the cause of damage to some or something with your RV. Some examples of when this coverage will kick in are if you cause property damage, bodily injury to someone else, or even lawsuits if one should be placed against you as the driver. The No-Fault Insurance law is mandatory for drivers in Michigan and pays for injuries to people and damages your car may cause to other property.

Underinsured/ Uninsured Coverage

If you happen to be in an accident with another driver who does not have any insurance or has insufficient coverage, this coverage will help pay the costs for damages and injuries caused to you or your passengers.


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What Does RV Insurance Cost?

As stated previously, there are many different styles of RV and many different uses for one as well. The average cost of RV insurance can range anywhere from $500-$5,000 and with Michigan’s mandatory no-fault law, this will, unfortunately, raise the cost of your RV insurance. However, the final cost for insurance can vary drastically depending on many different things, such as:

  • Type of RV (Class A/Class B/Class C, 5th wheel, truck camper, pop-up)
  • Driving history
  • How often you drive
  • Where you live
  • The condition of your RV
  • Where you travel
  • How much you are willing to spend


Get You RV Covered Before You Hit The Road

The idea of having a home that moves is something special. The feeling of absolute freedom to get up and leave at any time can be a beautiful thing. Unfortunately, the ugly truth is something that will need some protection and that comes with a cost.

Protect your traveling home and let us at Compass Insurance Agency, in Michigan, figure out what options best apply to your specific RV so you can have some peace of mind while enjoying your travels.



If you would like to know more about motor-home insurance, check out this blog and learn the differences.