RV Insurance in Massachusetts

Experts break down recreational vehicle insurance costs, coverages, companies, and more in Massachusetts.

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to TrustedChoice.com.

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.

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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:

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:

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:

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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Our independent agents shop around to find you the best coverage.

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:

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.

Now, who's ready to get their insurance problems solved?

Or talk to an agent now at (855) 372-0071