Massachusetts RV Insurance

Find the Best RV Insurance Options in Massachusetts

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

A local independent insurance agent can help you find a competitively priced policy that meets your needs and budget.

Best RV Insurance Companies in Massachusetts

There are a lot of options for RV insurance in Massachusetts. How can you make the best choice? 

The following are some of the best RV insurance companies in Massachusetts. They are highly rated for their mix of valuable coverage offerings and competitive pricing. 

• Progressive: Progressive is based in Ohio, but offers RV insurance across all 50 states, including Massachusetts. Massachusetts residents can look to Progressive for most of their personal insurance needs. 
• Safeco: Safeco has been protecting individuals and families since 1923. The company offers RV insurance in Massachusetts, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
• MAPFRE Insurance: MAPFRE Insurance is a leading national auto, home, and commercial auto insurance company. MAPFRE offers RV insurance as well as insurance for cars, trucks, fleets, homes, renters, condos, businesses, boats, motorcycles, and more. 
• Travelers: Travelers offers highly rated RV insurance in Massachusetts. It can meet your additional personal insurance needs with a full line of products including homeowners, auto, boat, identity theft, umbrella, and other coverages. 

An independent insurance agent in your area can help you learn more about these and other Massachusetts RV insurance companies. A local agent can help you get competitive quotes for the coverage that fits your needs.

What Is RV Insurance? 

RV insurance is a personal insurance policy designed to cover the specific risks associated with driving and even living in an RV. RV insurance protects the recreational vehicle in the same way that auto insurance protects cars and other personal vehicles. What’s more, it should cover your personal property inside the RV and provide liability protection if you injure someone or damage someone’s property while driving your RV.

Depending on the type of RV that you have, your RV insurance can be purchased as an add-on to your auto insurance policy or as a separate RV insurance policy. You'll need a separate RV insurance policy if your motorhome is classified as class A, class B, or class C. Plans also differ if your RV is financed, owned, or rented.

RV insurance is generally divided into two categories: recreational and full-timers. If you don't live in your RV full-time, recreational insurance will cover your RV inside and out when you’re on the road or parked at a campsite. A full-time RV insurance policy is for those who use a motorhome or travel trailer as their primary residence. 

A local independent insurance agent can help you understand what type of RV insurance you need.

Is RV Insurance Required in Massachusetts? 

RV insurance in Massachusetts can cover many different types of vehicles, including:

• Class A, B, and C motorhomes
• Travel trailers, including conventional and fifth-wheel
• Pop-up and truck campers

If you use your RV as a motorhome and drive it on public roads under its own power, Massachusetts state law requires you to carry a minimum amount of liability insurance. The required minimum amounts of coverage that motorists must carry in Massachusetts are as follows:

• Bodily injury liability coverage: $20,000 per person, $40,000 per accident
• Property damage liability coverage: $5,000 per accident

Bodily injury liability insurance covers you if you are at fault in an accident and someone other than yourself is injured. Property damage liability insurance covers damage to another person's vehicle or property in an accident that is your fault.

• Personal injury protection (PIP): $8,000 per person per accident

This covers medical bills for you and your family if you are injured in an accident, regardless of fault.

• Uninsured motorist coverage: $20,000 per person, $40,000 per accident for bodily injury

This can cover medical bills that exceed your PIP coverage if you are in an accident caused by an uninsured or underinsured driver. 

If you finance the purchase of your RV, your lender will likely require you to buy comprehensive and collision coverage in addition to liability coverage before your financing will be approved.

If you live in your RV full-time, you’ll need special “full-timer” RV insurance that combines elements of auto insurance and homeowners insurance. And if you’ve got an RV like a pop-up, travel trailer, or fifth wheel that is towed behind another vehicle, it will be covered by the policy of the vehicle that is towing it. 

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What Does RV Insurance Cover in Massachusetts?

A basic RV insurance policy in Massachusetts will likely include the following types of coverage:

• Liability coverage (required by law) protects you if you cause injury or damage to someone else while operating your RV.
• Personal injury protection (PIP) is required in Massachusetts. It covers medical bills for you and your family if you are injured in an accident, regardless of fault.
• Uninsured motorist coverage is also required by law in Massachusetts. It protects you if you’re hit by an uninsured or underinsured driver while operating your RV.
• Comprehensive and collision coverage work just like your auto insurance policy's comprehensive and collision coverage. They cover physical damage to your RV. They are optional, but your lender will require them if you finance your RV.

A variety of other RV insurance coverage options are available. Depending on the type of RV you have and how you use it, these may include:

• International travel coverage will cover you if you plan to drive your RV into Mexico or Canada.
• Loss replacement coverage will help you replace your RV if it suffers a total loss.
• Personal property insurance provides coverage for personal items inside your RV, such as clothing, kitchen items, tools, equipment, electronics, and so on. 
• Attached accessories coverage reimburses you for damage to items like awnings or TV antennas that are not covered under the basic policy.
• Emergency expenses coverage reimburses you for hotel or transportation costs after you’ve had an accident and cannot use your RV.
• Campsite and vacation coverage protects you if you use your RV or motorhome as a temporary residence during a vacation. It covers your liability exposures in these situations.

Part-time RV users who only use their vehicle during certain months can suspend their collision and liability coverage when the RV is not in use. This can help them save money on their premiums. 

A local independent insurance agent can help you decide which types of Massachusetts RV insurance coverage are right for you. 

What Does RV Insurance Cost in Massachusetts? 

The cost of RV insurance in Massachusetts varies depending on the type of vehicle, how it's driven, and the driver's risk profile. Part-time RV insurance will likely cost less than full-time RV insurance because full-timers spend far more time driving the RV, travel farther, and keep more possessions inside the vehicle. 

Here are some of the factors that will influence the cost of RV insurance in Massachusetts: 

• The driving record of the RV owner, including RV driving experience
• How many miles the RV will be driven, and where it will be driven
• The type and class of the RV
• The size and length of the RV
• The age and condition of the RV
• The value of the RV
• Where the RV will be stored
• Whether the RV is financed

Types of coverage and deductibles selected also play a significant role in your RV insurance costs in Massachusetts. An independent insurance agent can help you find affordable coverage that meets your needs.  

How to Find the Best RV Insurance Quotes in Massachusetts

Instead of getting an online quote for Massachusetts RV insurance, find an independent insurance agent now and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.  

What’s more, your agent will be there for you when claim time comes. They know the ins and outs of the process and will make sure your claim is handled appropriately.

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

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Massachusetts RV Insurance FAQs