RV Insurance in Massachusetts

Recreational vehicles are popular with many residents of Massachusetts. In fact, people in the Bay State spend nearly $70 million a year on RV sales and services.

Whether you are using your RV to take a leisurely cross-country tour or you are relaxing in one of New England’s many beautiful campgrounds, you can benefit from having a solid and reliable RV insurance policy.

Local independent agents can help you find a competitively priced policy that meets your coverage and budgetary needs. Find an independent insurance agent near you to get more information and to start comparing customized quotes from some of the best RV insurance companies in Massachusetts.

What Is Massachusetts RV Insurance and What Does It Cover?

RV insurance is a specialized policy that mixes the coverage found in car insurance and homeowners insurance. This is necessary because recreational vehicles can be driven on the road but also serve as homes.

RV insurance can provide a wide range of coverage including:

• Coverage for your RV if it is lost or damaged
• Coverage against liabilities if you cause harm to others
• Coverage for the personal property you keep in your RV

RV policies can be customized to meet your specific coverage needs according to the type of recreational vehicle you own and how you plan to use it. For instance, someone who uses their RV for an annual month-long road trip will have different coverage needs than someone who lives in their RV full time.

How Much Does RV Insurance Cost in Massachusetts?

In Massachusetts, the average cost of an RV insurance policy is $860 a year. Of course, this is just an average, so your policy may cost significantly more or less than this amount. Smaller RVs like travel trailers and camper vans cost much less to insure than large vehicles like Class A motorhomes.

Your customized RV insurance quotes will be based on a number of factors such as:

• The type of RV you are insuring (e.g., fifth-wheel trailer, toy hauler, motor home, etc.)
• Whether your RV is a motorized vehicle or a trailer
• Your RVs length, weight, and value
• The estimated number of miles you plan to drive your RV per year
• The amount of time you plan to spend living in the vehicle each year
• Your driving record and the driving records of anyone else in your household who will be driving the RV
• The value of the personal property you may keep in your RV

Contacting a few insurance companies and requesting quotes lest you choose the policy that is offered at the best price. Independent insurance agents make comparison shopping easy.

Is RV Insurance Required in Massachusetts?

You can buy an RV insurance policy for any type of recreational vehicle, but coverage is only required by law if your RV is a self-propelled vehicle, like a camper van or motor home. In this case, it will be held to the same coverage requirements as your car or truck.

In Massachusetts, this means that your RV insurance policy must include the following types of coverage:

• Liability insurance: This covers other people’s medical bills and property damage if you cause a collision. Your policy must include, at a minimum:
  • Bodily injury liability insurance: $20,000 per person/$40,000 per accident
  • Property damage liability insurance: $5,000 per accident
• Personal injury protection (PIP) insurance: This covers medical bills for you and your family if you are injured in an accident, regardless of fault. Your policy must include a minimum of $8,000 worth of coverage.
• Uninsured motorist insurance: This can cover medical bills that exceed your PIP coverage if you are in an accident caused by an uninsured or underinsured driver. Your policy must include, at a minimum, bodily injury coverage of at least $20,000 per person and $40,000 per accident.

Be aware that the minimum coverage policy may not be enough to adequately protect you while driving your RV. This is because recreational vehicles are larger and heavier than most other vehicles on the road. 

If you are responsible for a collision while driving an RV, you are more likely to cause a lot of property damage and potentially serious injuries to others. If this happens and the incurred costs exceed your policy’s coverage limits, you will be expected to make up the difference out of pocket, which can get very expensive.

That is why many recreational vehicle owners in Massachusetts opt to buy RV liability insurance in much higher amounts than the state requires. If you want even more liability coverage than your RV insurance policy can provide, you may want to supplement your policy with umbrella insurance.

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What Coverage Options Are Available for My Massachusetts RV Insurance?

Most RV insurance companies will offer a number of coverage options so that you can build a policy that matches the way you use your RV. Examples of coverage options you are likely to encounter include:

• Full coverage: This is designed to cover the cost to repair or replace your recreational vehicle if it is lost or damaged due to a covered event. Full coverage will likely be required by your lender if you have financed your RV and are still making payments. It includes:
  • Collision coverage: This covers loss or damage caused by collisions, regardless of fault.
  • Comprehensive coverage: This covers loss or damage caused by non-collision hazards like floods, fires, and windstorms.
• Personal liability coverage: This is designed specifically for people who live in their RVs full time. It can provide the same personal liability protection you would normally get through a homeowners or renters insurance policy.
• Vacation liability coverage: This is designed specifically for people who take their RVs on destination trips. It provides additional liability protection if you accidentally cause property damage or injuries to others while staying at an RV park. It is sometimes required by RV park owners.
• Contents coverage: This is good for all RV owners but is particularly beneficial for people who own larger RVs like Class A motor homes. It can pay to repair or replace the property you keep in your RV if it is lost or damaged by a covered event like a fire, windstorm, or property crime.
• Towing and roadside assistance: Most RVs require specialized towing if they become disabled while you are out on the road. This insurance can cover the costs associated with service calls.

When you take the time to review all of your available coverage options and how much each one costs, you can make informed decisions about which are a good fit for you and your family.

What Are the Best RV Insurance Companies in Massachusetts?

When you work with a Trusted Choice independent insurance agent, you can rest assured that any policies and quotes shown to you by your agent come from highly rated, reliable, and time-tested insurance companies.

These agents have taken the time to cultivate relationships with some of the best insurance companies in Massachusetts. When you review coverage and costs from each of them, you can choose the company that is best for you.

How Can an Independent Insurance Agent in Massachusetts Help Me?

When you are shopping for the right RV insurance policy to meet your coverage and budgetary needs, a local independent insurance agent can help. These agents work for you, not for a particular insurance company so they can shop around to find you the best and most affordable coverage.

Discover the many benefits of having a local insurance professional on your side. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing a selection of customized RV insurance quotes.