About Special Insurance Options for Class A Motorhomes

When you own a Class A motorhome in Detroit, MI, there are state requirements you must adhere to regarding insurance. There is also specialized coverage you can include. If you would like an in-depth and informed explanation about the types of insurance you need, call us at Premier Insurance Agency.

Basic Class A Motorhome Insurance

Like other motorized vehicles that access public roads and highways, your Class A motorhome must have an insurance policy separate from your standard auto insurance. Your basic policy must include the state’s standard requirements for bodily injury liability, property damage liability, personal injury protection, and property protection insurance.

Specialized Class A Motorhome Insurance

With a specialized RV policy, you will be in compliance with the no-fault auto insurance laws of the state. But, since your basic policy provides some coverage, it is recommended that you consider adding specialized coverage. Your options include collision and comprehensive, vacation liability, full-time coverage, and uninsured/underinsured motorist. 

Collision and Comprehensive

In the event your motorhome is impacted by inclement weather, fire, theft or an accident, collision, comprehensive steps in.

Vacation Liability

If your RV is on your property and a visitor is injured, or if you are parked at a campsite and cause damage, this policy provides coverage.

Full-Time Coverage

For RVers who live in their motorhome for 6 months or more each year, personal liability and coverage for personal property is provided.

Uninsured/Underinsured Motorist

With this coverage, you are protecting your financial health if your RV is involved in an accident with an uninsured driver. 

Contact Our Team

Keep your RV, your assets, and your finances in good order in Detroit, MI, when you have specialized coverage for your motorhome. Contact our agents at Premier Insurance Agency and let’s get you a policy that meets your needs.