RV ownership is huge in Michigan — from weekend warriors with travel trailers to retirees with Class A motorhomes traveling the country. RV insurance is more complex than auto or home alone, so here's a complete guide.
Types of RVs (and How They're Insured)
Class A Motorhomes
Bus-style RVs, typically $100K-$500K+. Insured like a vehicle with additional coverage for contents and stationary use.
Class B (Camper Vans)
Van-conversion RVs (Sprinter, Promaster, etc.). Insured similarly to Class A but often with lower premiums.
Class C Motorhomes
Cab-over style on a truck/van chassis. Mid-range coverage similar to Class A.
Travel Trailers
Towed by your vehicle. Need separate trailer coverage — your tow vehicle's auto policy doesn't cover the trailer itself, only liability while towing.
Fifth Wheels
Larger towables, similar coverage to travel trailers.
Pop-Up Campers
Lower cost, simpler coverage.
Required Coverage
For motorhomes (any class), Michigan requires the same auto insurance minimums as cars:
- PIP (your choice of limit)
- BI/PD liability (250/500/10 minimum)
- Property Protection ($1M)
Travel trailers and fifth wheels don't require their own auto insurance, but you should still insure them for theft, weather, and damage.
Recommended RV Coverages
Comprehensive and Collision
Critical for any valuable RV. Covers theft, weather, hitting things, animal strikes.
Personal Belongings
RVs carry expensive personal property — generators, electronics, outdoor gear. Coverage typically $5K-$50K.
Vacation Liability
If someone is injured at your campsite or in your stationary RV, this covers you like a homeowners liability.
Emergency Expense
Pays for lodging if your RV becomes uninhabitable during a trip.
Full-Timer's Coverage
If you live in your RV full-time, you need this — replaces homeowners coverage.
Total Loss Replacement
Replaces your RV with a brand new equivalent if totaled in the first few years (some carriers offer 5+ years).
Roadside Assistance
RV-specific towing is expensive without this coverage.
Average RV Insurance Costs in Michigan
- Travel trailer: $250-$500/year
- Class C motorhome: $1,000-$1,800/year
- Class A motorhome: $1,200-$2,500/year
- Full-timer Class A: $2,000-$4,000/year
Out-of-State Travel
Michigan RV policies should include nationwide coverage. If you snowbird to Florida or Arizona, verify coverage extends and consider extended-stay limits.
Storage Discount
Most Michigan RVs are stored 5-7 months/year. Carriers offer lay-up coverage that reduces premiums during stored months. Make sure you're getting this discount.
How to Save on Michigan RV Insurance
- Bundle with home/auto
- Take an RV safety course
- Approved storage (covered, fenced, or stored at home)
- Anti-theft devices
- Multi-policy with the same carrier
Get a Michigan RV Quote
Knight Family Agency insures RVs primarily through Foremost (Farmers Insurance). Fill out our quote form with your RV details — class, year, value, usage, storage — and we'll have a quote ready in 24 hours.
Get a Free Michigan Recreational Insurance Quote
Local Farmers Insurance agent in Belding, MI. Most clients save $1,200+ per year.