Insurance Considerations for Towing Your Boat or RV Through Michigan

Towing a boat or recreational vehicle (RV) can affect how your insurance coverage responds to an accident, claim or loss. Sweet Insurance Agency can help you understand what is covered and where additional coverage may be needed.

Understanding Towing Liability vs. Physical Damage

Auto insurance does not always cover what is being towed. Liability coverage may apply to a trailer or boat while it is hitched to your vehicle, but it typically covers damage to others, not the towed vehicle itself. A dedicated RV or boat insurance policy may be the right option for collision, theft or weather damage in transit.

Key Coverage Options for Travelers

When preparing for a trip, reviewing these areas may be a good starting point:

• Specialized towing and roadside assistance coverage: Standard roadside assistance may not be suited for a large RV or heavy boat trailer. Specialized coverage can provide access to the right equipment in the event of a breakdown.
• Total loss replacement coverage: Should your new RV or boat be totaled in a towing accident, this coverage can help replace it with a similar new model rather than just the depreciated value.
• Contents coverage: Fishing gear, electronics and camping equipment inside your RV or boat may not fall under other policies. This coverage can help account for those items.

Driving Tips for Michigan Roads

Weather and road conditions can change quickly. Before departing, it may be a good idea to check that the trailer brakes are working, the tires are properly inflated and the chains are secured. Towing can increase stopping distance, so allowing extra room on busy routes like I-75 or US-31 can help.

We Can Help

Contact Sweet Insurance Agency today to review your RV insurance options and get a free personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.