RV Insurance in Massachusetts
What is RV insurance?
Motorhomes require unique insurance solutions, as they often have coverage needs similar to both vehicles and homes. RV insurance gives Massachusetts motorhome owners a hybrid solution that’s well-suited for insuring these vehicles.
RV insurance is tailor-made for insuring motorhomes and similar vehicles. Policies often extend coverage to motorhomes, belongings and owners.
Who in Massachusetts should be carrying motorhome insurance?
Most Massachusetts residents who own an RV likely should have motorhome insurance. This includes people who have RVs, camper vans, converted buses, fifth wheels and similar setups.
Certain coverages aren’t optional but required in many cases. Coverages meeting the state minimum projections for vehicles are generally required whenever an RV is taken on the road. Financed or leased RVs usually have to be covered by comprehensive, collision and gap coverages too.
Of course, proper coverage is recommended at all times regardless of state or lender requirements. Properly insuring an RV often necessitates getting more protection than is minimally required.
What protections are available through motorhome insurance policies?
Motorhome insurance policies offer a wide variety of coverages, in order to meet the many protection needs of RV owners. Some coverages are auto-related, while others aren’t.
The more auto-related coverages that most motorhome policies offer include:
- Personal Injury Coverage: Generally covers injuries of the RV’s driver and passengers.
- Bodily Injury Liability Coverage: Generally covers injuries of passengers in other vehicles or pedestrians.
- Collision Coverage: Generally covers damages to the RV in accidents involving multiple vehicles.
- Comprehensive Coverage: Generally covers damages to the RV resulting from non-collision events (e.g. animal strikes, falling tree branches).
- Property Damage Liability Coverage: Generally covers damages to other vehicles or property in accidents.
- Underinsured/Uninsured Motorist Coverage: Generally covers accidents caused by drivers lacking adequate insurance.
Some other coverages that many motorhome policies make available include:
- Personal Property Coverage: Normally protects items like souvenirs, dishware, clothing, cameras, and electronics inside the RV.
- Emergency Expenditure Coverage: Normally protects against expenses such as food and accommodations during unforeseen travel interruptions.
- Campsite and Vacation Liability Coverage: Normally protects against incidents that cause others harm and occur when the RV is set up at a camping or other site.
- Full-Timer Coverage: Normally provides extra coverage for RV owners who use their RV as their main living space, and don’t have another residence.
An insurance agent who specializes in RV policies can help owners evaluate their coverage needs, and select the appropriate protections.
What are the different classes of motorhome policies?
Motorhome policies are categorized into different “classes” based on the size and type of RVs that they cover. Most policies within a class will cover similar RVs. There are three main classes:
- Class A: Generally offers coverage for large RVs and repurposed buses.
- Class B: Generally offers coverage for mid-sized RVs, camper vans, and travel trailers.
- Class C: Generally offers coverage for small RVs and fifth-wheel trailers.
Should RV owners include personal property coverage in their motorhome policy?
Personal property coverage is usually offered as an optional protection, but it can be an important one. The coverage might protect everything from miscellaneous items in the glove compartment, to expensive electronics used when you’re parked (depending on policy terms).
RV owners probably should consider personal property coverage if they don’t have the protection already, or if their protection doesn’t extend to the motorhome when traveling. The policy to check is a homeowners policy.
Almost all homeowners policies offer personal property coverage, and most homeowners purchase this coverage through their home policy. Sometimes homeowners policies restrict coverage to only when items are kept at the house, in which case personal property coverage might be appropriate to include within a motorhome policy. Sometimes homeowners policies have “worldwide coverage” that extends the protection to most locations, so the coverage likely isn’t needed within a motorhome policy.
RV owners who don’t have a homeowners policy likely should get personal property coverage through their motorhome policy. The protection might be part of full-timer coverage, or selected separately.
A knowledgeable insurance agent can help evaluate personal property coverage needs, so RV owners can make informed decisions about how to get this protection.
How can Massachusetts residents get RV insurance for their motorhomes?
If you need help insuring a motorhome, contact the independent insurance agents at Pike Insurance. Our Massachusetts agents will work closely with you to find an RV insurance policy that’s tailored to your specific needs
