Reliable Protection for Your RV, Camper, or Travel Trailer
Whether you're planning weekend getaways, summer road trips, or cross-country travel, your RV is more than a vehicle - it's your home on the road. At the Rich Merso Insurance Agency, we help Michigan RV owners secure dependable, personalized coverage backed by Farmers® Insurance and supported by trusted local expertise.
Our priority is simple: premium, worry-free protection with honest, budget-conscious guidance for every style of RV travel.
Contact UsWhy RV & Travel Trailer Insurance Matters
RV owners face unique risks both on the road and at the campsite. Proper coverage helps protect you from:
- Accidents and collisions
- Weather and storm damage
- Theft or vandalism
- Fire or electrical issues
- Personal liability at campsites
- Damage to attached accessories
- Emergency travel expenses
- Loss of personal belongings
Whether your RV is used seasonally or year-round, we ensure you have the right protection wherever the road takes you.
RV & Travel Trailer Coverage Options
We tailor coverage based on your RV type, travel habits, and budget.
Comprehensive Coverage
Protects against theft, vandalism, fire, storms, falling objects, and other non-collision events.
Collision Coverage
Pays for damage if your RV or trailer is involved in an accident.
Liability Coverage
Covers injuries or property damage you may cause while driving or parked.
Personal Property Coverage
Protects belongings inside your RV, including electronics, camping gear, clothing, and appliances.
Medical Payments Coverage
Helps pay your medical expenses or those of your passengers after an accident.
Vacation Liability
Campsite liability protection for accidents that occur while your RV is parked and used as a residence.
Optional Add-Ons
Roadside assistance, Emergency expense coverage, Full-timer's liability, Attached accessories, Specialty coverage for custom RV features, Coverage for trailers, toy haulers, and pop-up campers.
We help you choose what fits your lifestyle without unnecessary add-ons.
Why Michigan RV Owners Choose the Merso Agency
Local Knowledge + Statewide Support
We understand the unique risks Michigan RV owners face - from road conditions to campground liabilities.
Premium Protection Without the High Price
We balance strong coverage with budget-friendly options.
Clear, Honest Explanation of Your Coverage
No confusing terms. No unnecessary extras. Just straightforward guidance.
Real Support From a Local Team
Whether you're on the road or at home, you can count on fast, friendly help from people who know you.
Coverage for Your Entire Michigan Travel Lifestyle
From Midland and Saginaw to Bay City, Freeland, Auburn, and every Michigan community - we serve RV owners statewide.
Savings & Bundle Opportunities
We help RV owners save through:
- RV + Auto bundles
- Multi-policy discounts
- Homeowners loyalty discounts
- Responsible payer discounts
- Safety feature discounts
Bundling multiple Farmers® policies is one of the easiest ways to maximize savings.
Types of RVs & Trailers We Insure
We provide coverage for a wide range of recreational vehicles:
- Motorhomes (Class A, B, and C)
- Travel trailers
- Fifth wheels
- Pop-up campers
- Toy haulers
- Truck campers
- Teardrop trailers
- Cargo and utility trailers
- Park trailers
If you use it for camping, adventure, or travel, we can help insure it.
Get a Personalized RV or Travel Trailer Insurance Quote
Whether you're taking your first trip or upgrading your RV, we'll help you hit the road with confidence.
Travel with peace of mind knowing you're protected by a local, trusted Michigan Farmers® Insurance agent who understands your journey.