Recreational Vehicle Insurance
Protect Your Recreational Vehicles
Here in the Great Lakes State, it’s impossible to miss the wealth of recreational opportunities around you. It’s easy to find a place to enjoy your favorite recreational vehicles from the southern border all the way to the Upper Peninsula.
Iott Insurance partners with you to protect your exciting “toys” as you explore the lakes, rivers, campsites, and everything else Michigan has to offer.
What Does Recreational Vehicle Insurance Cover?
The scope of recreational vehicle insurance is wide. We’re here to help you navigate the policies and options to best protect your recreational vehicles, including:
- Jet Skis and Other Personal Watercrafts
- ATVs/Four Wheelers
- Motorhomes, Campers, Travel Trailers and Fifth-Wheels
- Golf Carts
- And more!
Types of Recreational Insurance Coverage
Certain recreational vehicles are covered similarly to motor vehicles. That means you can expect coverage for RVs like motorhomes to include policies for:
Collision Coverage – For RVs damaged in an accident, this coverage will help with expenses related to repairs or replacement.
Comprehensive Coverage – Incidents unrelated to collisions, such as severe weather damage or theft, fall under comprehensive coverage.
Liability Coverage – If you’re liable for damages to another person or object when using your RV, liability helps mitigate the costs of repaying for those damages.
Underinsured or Uninsured Coverage – Because some types of insurance are optional or have limits, this type of insurance is important to protect yourself when someone causes damage to you or your property but cannot fully repay the medical or repair expenses.
Obtain a Recreational Vehicle Insurance Quote!
We can help protect your favorite recreational vehicles so you can enjoy them for years to come. When you contact Iott Insurance for an RV insurance quote, we’ll work with you and the many providers we partner with to find you the best possible coverage and premiums. We also offer a variety of discounts!
Do I Need Recreational Vehicle Insurance?
This answer often depends on your vehicle. A good rule of thumb is the “two-wheel rule.” Any vehicle that has more than two wheels is likely to be determined a motor vehicle by Michigan law, and require similar protections you would expect of any motor vehicle.
For other recreational vehicles, you may not legally need insurance – but that doesn’t mean you should skip it! Recreational vehicles often are more likely to be involved in incidents where you’ll be glad you had them insured. Accidents during travel or use are common, and these vehicles are just as expensive to repair as any other type of vehicle. Keeping yourself protected against medical costs or just getting your toy back in working condition as soon as possible is always worth the small investment of recreational vehicle insurance.
Report A Claim
Do you need to report a claim? Our dedicated claims specialists are standing by to help!
Find out about our claims process, who to contact, and how you can receive afterhours claims assistance.