New owners of recreational vehicles might be surprised to learn that potential insurers take a strong interest in where the RV sits during the off-season. Like a house or building, an RV is subject to damage or decay, whether in use or idle. It is little surprise that insurance companies will ask whether the RV makes its home in a garage, under a shed, on the street, or at an off-site campground away from the residence. Risk factors include weather, climate, crime, infrastructure, and distance from your house. Any or all of these conditions affect coverage decisions and premium rates.

An RV parked at home has certain advantages. In limited cases, it might be included for certain claims under the homeowner policy. Furthermore, the owner does not have to rent vehicle space at a park or storage facility. Nevertheless, at home or elsewhere, every location is likely to have blizzards, floods, vandalism, theft, earthquake, lightning, and arson. The insurer must assess the risk of any of these at the site where the RV is "garaged." High exposure to unfortunate events means a higher probability of claims.

The Detroit, MI metro area has its unique record relative to hazards that impact a parked RV. As a local business familiar with the region, Premier Insurance Agency is positioned well to find insurance coverage that meets the needs of RV enthusiasts while offering competitive premiums. Our insurance professionals are knowledgeable and experienced with Michigan statutes, Detroit weather, and regional demographic patterns. This wisdom helps you to maximize your benefits at affordable prices. Today, learn how a specific RV location will affect insurance coverage details.