Recreational vehicles let people explore the open road, offering both a means of transportation and a place to stay. Because these vehicles merge features of homes with those of vehicles, they come with slightly different needs than what cars and trucks have. RV insurance gives Massachusetts residents who have RVs the unique blend of insurance protections that they need.
RV insurance is like auto insurance, except it’s specifically designed for covering motorhomes, recreational vehicles, and some campers. There are several classes of RV policies, each of which covers different kinds of RVs:
In general, recreational vehicle insurance policies offer many of the coverage options that are found in traditional auto policies (you can find a list of more-specific potential coverages below).
In addition to these coverages, recreational vehicle policies can also include several coverages that are more specific to recreational vehicles. Some other coverages that RV owners may want are:
Most RV policies offer coverage for personal belongings as an optional protection, because not everyone needs this coverage.
Some recreational vehicle owners already have coverage for their personal belongings -- even while those belongings are in their RV -- through their homeowners policy. Homeowners policies that include “worldwide coverage” for personal property, for instance, usually cover belongings regardless of where they are.
If personal property coverage is already provided by a homeowners policy, it’s usually not necessary to purchase duplicate coverage through an RV policy. Of course, when coverage isn’t provided by a homeowners policy, it’s wise to get coverage for personal belongings through an RV policy.
RV owners who are unsure if they need coverage for personal belongings should ask their insurance agent to review their homeowners policy. Their agent will be able to explain their current coverages and help them select the appropriate ones in an RV policy.
Just as auto insurance premiums vary a lot, recreational vehicle insurance costs also vary. How much a particular RV policy costs depends on many factors, including:
In general, Class A policies are the most expensive because they’re used to insure the largest RVs. Class B policies are usually the least expensive.
Massachusetts residents who own or will soon purchase a recreational vehicle can get quotes for RV insurance by contacting an independent insurance agent near them. Most agents who help drivers with auto insurance can also help RV owners with RV policies. There are qualified independent agents serving residents across the nation who can guide you through the process.