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Insurance for Summer RVs

With the great Michigan summer here, everyone is getting ready to get their trailers, fifth wheels, and RV out on the road. Many times these items are added to an auto policy. While the price is cheap, it leaves you with many missed opportunities for proper coverage.

Did you know that when these items are insured under an auto policy the liability coverage only applies while your trailer is attached to your vehicle? Once you park on your campsite and detach your trailer, you no longer have any liability coverage. If an accident happens you would need to file a claim against your homeowner’s insurance instead of a claim on trailer policy. Homeowners claims are rated harder than a claim on a trailer policy

Another missed coverage is with personal property. Many times when a trailer is insured under an auto policy there is no coverage for personal property, just physical damage to the trailer if you have that coverage. If someone broke into your trailer and everything was stolen, there would be no coverage for your personal property. Again you would need to file a claim on your homeowner’s policy and that deductible would apply

While insuring your travel trailer or fifth wheel on its policy may cost more, the benefits of having better and proper coverage outweigh the price. One of the main reasons for having insurance is to make sure your property is covered. Who wants to pay for insurance and when it comes time to file a claim find out the claim isn’t covered. If you have a travel trailer or fifth wheel make sure to discuss with your agent how and when you use your trailer to make sure you are properly covered.

Unveiling the Secrets to Getting the Best Coverage for Your RV

Posted on June 22, 2019August 14, 2023 by Shield Insurance Agency

Shield Insurance Blog | Recreation Vehicle | Start A Quote Today!

ATVs, snowmobiles, dirt bikes, etc… All of these recreational vehicles can be risky to operate for the riders, passengers, and those around them. They are also very fun and one of the perks of living in a state where it snows!!! Thankfully, you can insure these recreation vehicles as you would an automobile.

Just like an auto insurance policy, on a recreational vehicle policy, you would receive:

Bodily Injury Liability
Uninsured/Underinsured motorist
Either Medical pay or Medical benefits coverage
Physical damage (comprehensive & collision) — optional
Roadside – optional
Carried contents and Accessories – optional

A lot of these coverages are only available on an ATV or RV policy. For instance, if you decide to not insure your snowmobile in the summer with at least storage coverage, and the garage that it is in burns down, your homeowner’s policy will not cover it! OR, what if you or your passenger are hurt after having an accident on your ATV, you may have NO coverage for those medical bills!

Recreational vehicles aren’t always covered

Did you know that not every insurance company will allow you to insure recreational vehicles such as ATVs, snowmobiles, dirt bikes, etc… on your homeowner’s policy? Did you also know that coverage on a homeowner’s policy is very much lacking in comparison to a separate ATV/RV policy?

Lately, I have been hearing that quite a few banks have been suggesting clients insure their newly purchased recreational vehicles on their homeowner’s policy so they don’t have to purchase another separate policy. Not only may that person be out of luck depending on the company, but most companies only offer liability coverage and/or physical damage coverage. No roadside, no uninsured/underinsured motorist, no medical coverage if injured in an accident, and there tend to be more exclusions than your typical ATV/RV policy.

Generally speaking, depending on driving history and what type of recreational vehicle is owned, insurance policies for them tend to run cheaper and they are always worth the money.

It can get confusing, but give our office a call. We are here to help and will make it all seem pretty simple. 616.896.4600