About Recreational Vehicle Insurance in Michigan

In Michigan, there are a variety of types of recreational vehicles to choose from, each with its own insurance requirements. At Janis-Shunta Insurance, we’re here to help Muskegon, MI residents who have questions about coverage determine their insurance needs. 

Recreational Vehicles

There are four categories that make up recreational vehicles. These include:

• Boats and Watercraft
• Off-Road Vehicles
• Motorized RVs
• Towable RVs

Boats and Watercraft

The boat and watercraft category includes jet skis and pontoon boats. Insurance is not required by the state for these recreational vehicles. Proof of insurance may be required if you plan to dock or refuel your boat or dock your jet ski. If either of these vehicles are being leased or carries a loan from a lender, proof of insurance is usually required to access marinas.

Off-Road Vehicles

This category includes golf carts, ATVs, snowmobiles, UTVs, ROVs, and SxS. You are not required to carry liability insurance to ride along designated trails on private property. Lenders and special events may require coverage.

Motorized RVs

In Michigan, just like insurance is required for trucks, cars, and SUVs, any motorized RV, such as a Class A, B, and C, and camper vans that access public roadways, is required to carry liability and no-fault (PIP) policies.

Towable RVs

Towables include Fifth wheels, travel trailers, toy haulers, and pop-up campers. Because these are non-motorized, they do not require a separate insurance policy. The liability coverage for a towable RV is provided by the insurance covering the vehicle while it is hitched and is being towed. It is recommended to have an RV policy to cover damages to the towable and your personal items you have within the trailer.

Contact Us

Give us a call at Janis-Shunta Insurance so we can get started on providing you with all the information needed to keep your journeys to destinations in Muskegon, MI, and beyond, protected with the right policies in place.