Specialty Insurance Policies For Your Recreational Toys

Posted on October 13, 2022October 7, 2022 by Shield Insurance Agency

What specialty insurance?

In simple terms, specialty insurance coverage is exactly what it sounds like: It’s insurance that can be purchased for items that are special or unique. Specialty insurance policies are important for items that are not typically covered under other insurance policies.

From motorcycle insurance to boat insurance, protect your unique items.

We hear it all the time: “Specialty insurance? What’s that and why do I have it or why do I need it?”

In simple terms, specialty insurance coverage is exactly what it sounds like: It’s insurance that can be purchased for items that are special or unique. Specialty insurance policies are important for items that are not typically covered under other insurance policies.

Type of Specialty Insurance Coverage Available

Consider the items you own that are not covered by other insurance policies. For example, what vehicles do you drive that aren’t included on your auto insurance policy? What additional coverage is required to protect your home in the event of a flood? Specialty insurance policies complement your existing auto, home and umbrella policies. Types of specialty insurance offered through CONNECT and its partners include:

Classic car insurance – Whether you’ve spent hours and hours on restoration or bought a one-of-a-kind collector’s item, protect your antique car with classic car insurance.

ATV insurance – Enjoy the ride with coverage for your all-terrain vehicle. This specialty insurance coverage will protect you whether you ride for fun or function.

Flood insurance – Find coverage for your home or car—and yes, there is a difference!

High-value homes and rental insurance – Take the worry out of being a landlord or covering your high-value home.

Motorcycle insurance – In case of storm, accident or other natural disaster, make sure your bike will be still be ready to ride with motorcycle insurance.

RV insurance – Recreational vehicles give you the freedom to adventure anywhere. Whether you travel cross-country or simply use your RV for weekend camping, stay on the road with RV insurance.

Boat insurance – From sailboat to pontoon or even jet ski, stay afloat with boat insurance coverage.

Added Protection from our Agency Partners

Losing a one-of-a-kind item or a unique vehicle to fire, theft or flood damage is painful enough. Finding out your insurance doesn’t cover the replacement of the item, vehicle or your home or auto would make a heart-breaking situation even worse.

That’s why we’ve developed partnerships with industry leaders in specialty insurance. Our goal is to help you find coverage for these unique items. Through our trusted partnerships, you can purchase insurance policies for a wide range of specialty items.

This is a great compilation video of some of the specialty insurance products Shield Insurance can offer our clients from one of our many carriers.

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RV Insurance Requirements in Michigan

Posted on April 29, 2022May 11, 2023 by admin

Shield Insurance Blog | RV Insurance | Start a quote today!

Driving an RV in Michigan can provide many a memorable vacation for you and your family, but your state government requires you to carry the same minimum level of insurance on your RV as on your car or truck.

Shield Insurance Agency wants you to understand that there’s no getting around this law. If you get caught driving without auto/RV insurance in the state, you’ll get hit with a costly fine and potentially lose your license, although perhaps temporarily.

RV Insurance Requirements in Michigan

As a no-fault state, Michigan requires every driver on its roads to carry insurance that would cover their own damages or those incurred to another party’s vehicle. You’ll need to purchase at least the following coverage levels:

bodily injury coverage in the amount of $20,000 per person per accident,
bodily injury coverage in the amount of $40,000 per accident for all persons injured or killed,
property damage in the amount of $10,000 per accident,
personal injury protection (PIP) with no limits,
property protection insurance (PPI) in the amount of $1 million per accident.

You can and should add to your RV insurance coverage by tacking on collision and comprehensive coverage. Your collision coverage provides reimbursement for damages when you incur a single-vehicle accident. Comprehensive coverage protects you from theft and other unavoidable perils. Roadside assistance coverage can help you obtain quick service when your RV breaks down on the road. Car rental insurance can mean you have a vehicle while your RV undergoes repairs.

Contact Shield Insurance Agency to discuss the state minimum requirements and add-ons that would provide full coverage for your RV. Don’t drive without insurance in Michigan.

The Ultimate RV Insurance Guide

Posted on May 25, 2021January 23, 2025 by Shield Insurance Agency

The Ultimate RV Insurance Guide

One of the first things a person must consider after purchasing an RV is RV insurance. That said, camper insurance can be a bit confusing and overwhelming. Often, this means an RV owner ends up with insufficient coverage or the wrong type of insurance altogether. This is something that can backfire terribly in the long run.

If you’re feeling overwhelmed by all there is to know about motorhome insurance, know that you are not alone. In fact, there are so many people looking for information on this very topic that we’ve decided to put together a guide to make things as clear-cut as possible.

What is RV Insurance?

We’ll start at the very beginning by talking a bit about what RV insurance is. As you might imagine, motorhome or travel trailer insurance is a lot like auto insurance (or even homeowners insurance) in a lot of ways.

Essentially, this insurance protects you and your RV should something go wrong while you’re out camping, or when the rig is in storage. That said, there are some key differences between RV insurance and auto insurance or homeowners insurance. Most of these involve the items and events that are covered.

Is this Insurance Required?

You may be wondering if you really need camper insurance at all. The answer? It depends.

The owners of motorhomes of all shapes and sizes must, at the very least, hold liability insurance in order to drive their motorhomes legally. Of course, if you have a loan out on your motorhome, you will probably need to carry much more than just liability insurance—and honestly, this is what we recommend anyway.

If you have a towable RV and you own it outright, you are not legally required to hold any kind of travel trailer insurance policy. However, if you are paying off a loan on the trailer, the lender will likely require you to keep a certain level of insurance until the loan is paid off in full.

It’s also important to note that some campgrounds require campers to have insurance on their RVs. If this is the case, they will request to see valid proof of insurance before allowing you to stay.

Even if you don’t have a loan on your trailer and don’t visit campgrounds that require every camper to have insurance, we still highly recommend holding an insurance policy. Depending on the policy you choose, your insurance could protect you should a person be injured by your trailer. It will also protect your investment should something happen to the camper.

Types of RV Insurance

There are many different types of insurance coverage for RVers. There are policies for motorhomes, which usually include the things you might see on a car policy—bodily injury and property damage liability, uninsured motorist, personal injury protection, and so on.

Motorhome policies may be liability only, or they may include collision and comprehensive insurance, so be sure you know what you’re getting before you purchase anything.

Additionally, there is insurance specifically for travel trailers and fifth wheels. These policies can also be full coverage policies or liability only. However, they will not include coverages that involve on-the-road incidents, as these things should be covered by the insurance you carry on your tow vehicle

Finally, we must mention full-time RV insurance. These policies protect those who live in their RVs full-time by covering the possessions in their RV and helping them find a place to stay should their RV be totaled.

As you might’ve guessed, full-time RV insurance is more expensive than typical RV insurance, so you will want to be prepared to pay a pretty penny for such coverage.

What Does the Insurance Include?

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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