Motorhome  Insurance
in Michigan & Wisconsin

Protect Your Home on Wheels

Whether you're traveling across the country, spending weekends at the campground, snowbirding during the winter, or exploring Michigan and Wisconsin's scenic destinations, your motorhome is both a vehicle and a home.

Because motorhomes combine the risks of an automobile with many of the risks associated with a residence, specialized insurance is important.

At M&M Insurance Agency, we help RV owners find coverage designed to protect their motorhome, personal belongings, passengers, and financial investment.

 

What Is a Motorhome?

A motorhome is a self-propelled recreational vehicle that combines transportation and living accommodations into a single unit.

Unlike travel trailers and fifth wheels, motorhomes have their own engine and do not require towing.

 

Types of Motorhomes We Can Insure

​

Class A Motorhomes

The largest and most luxurious RVs.

 

Features often include:

• Full kitchens

• Multiple slide-outs

• Residential-style amenities

• Extensive storage

​

Class B Motorhomes

Often called camper vans.

 

Features may include:

• Compact size

• Easier maneuverability

• Lower operating costs

• Travel convenience

​

Class C Motorhomes

Built on a truck or van chassis.

 

Features often include:

• Over-cab sleeping areas

• Family-friendly floor plans

• Flexible travel options

 

Why Do You Need Motorhome Insurance?

A motorhome is exposed to risks both while driving and while parked.

Insurance can help protect you from losses involving:

• Accidents

• Fire

• Theft

• Storm damage

• Liability claims

• Injuries to passengers

• Personal property losses

 

Standard auto insurance often does not provide the specialized protection motorhome owners need.

​

What Does Motorhome Insurance Cover?

 

Liability Coverage

Helps protect you if you are legally responsible for:

• Bodily injury to others

• Property damage to others

• Legal defense expenses

 

Because motorhomes are larger and heavier than many passenger vehicles, liability protection is especially important.

​

Collision Coverage

Helps repair or replace your motorhome following a covered collision.

​

Examples include:

• Vehicle accidents

• Rollovers

• Backing accidents

• Collisions with objects

​

Comprehensive Coverage

Provides protection against:

• Theft

• Fire

• Vandalism

• Windstorm damage

• Hail damage

• Falling objects

• Animal collisions

 

Uninsured & Underinsured Motorist Coverage

Provides protection if another driver causes an accident and lacks adequate insurance.

​

Medical Payments Coverage

May help pay covered medical expenses for you and your passengers following an accident.

 

Coverage may assist with:

• Ambulance services

• Emergency room treatment

• Hospital expenses

• Health insurance deductibles

• Copays and coinsurance

​

Coverage for Personal Belongings

Many motorhomes contain valuable personal property.

 

Coverage may be available for:

• Clothing

• Electronics

• Camping equipment

• Furniture

• Appliances

• Kitchen items

• Outdoor equipment

 

Because RV owners often travel with substantial personal belongings, this coverage can be especially valuable.

​

Vacation Liability Coverage

Even when parked, your motorhome can create liability exposures.

 

Vacation Liability coverage may help protect you if:

• A guest is injured around your RV

• Property damage occurs at a campsite

• You are legally responsible for certain incidents while the RV is being used as temporary living quarters

​

Emergency Expense Coverage

If a covered loss occurs while traveling, some policies may help reimburse:

• Temporary lodging

• Transportation expenses

• Food costs

• Travel interruption expenses

 

Coverage varies by carrier and policy.

​

Full-Time RV Insurance

If your motorhome serves as your primary residence, standard recreational-use coverage may not be enough.

 

Full-time RV insurance may provide additional protection more similar to homeowners insurance, including:

• Expanded liability coverage

• Personal property protection

• Additional living expense coverage

• Coverage designed for full-time occupancy

 

We can help determine which coverage option best fits your lifestyle.

​

Coverage for Custom Equipment & Accessories

Many motorhome owners invest heavily in upgrades and accessories.

 

Coverage may be available for:

• Satellite systems

• Solar panels

• Custom electronics

• Awnings

• Outdoor kitchens

• Enhanced entertainment systems

• Custom furnishings

• Specialty equipment

​

Common Motorhome Risks

Motorhome owners frequently face risks such as:

• Vehicle accidents

• Wind and hail damage

• Tree damage

• Theft

• Fire

• Water damage

• Liability claims

• Campground incidents

 

Proper insurance helps reduce the financial impact of these losses.

​

Bundle and Save

Many customers may qualify for discounts by combining motorhome insurance with:

• Auto Insurance

• Homeowners Insurance

• Boat Insurance

• Motorcycle Insurance

• ATV & UTV Insurance

• Personal Umbrella Insurance

​

Why Choose M&M Insurance Agency?

As a local agency serving Michigan and Wisconsin, we understand the RV lifestyle and the unique needs of motorhome owners.

 

We help clients:

• Compare coverage options

• Review liability limits

• Protect personal belongings

• Evaluate full-time RV needs

• Protect custom equipment

• Coordinate umbrella liability coverage

 

Our goal is to help you travel with confidence knowing your investment is properly protected.

​

Frequently Asked Questions

​

Does my auto insurance cover my motorhome?

Motorhomes generally require their own insurance policy because they combine vehicle and residential exposures.

 

Does motorhome insurance cover personal belongings?

Many policies offer coverage for personal property kept inside the RV, subject to policy limits and conditions.

​

What is vacation liability coverage?

Vacation liability coverage may provide protection when your motorhome is parked and being used as temporary living quarters.

​

Do I need special coverage if I live in my RV full-time?

Yes. Full-time RV owners often need specialized coverage that differs from recreational-use policies.

​

Are custom accessories covered?

Many policies offer coverage options for custom equipment and upgrades.