As we mentioned, in Massachusetts, you are required to at least have liability and uninsured/underinsured motorist coverage for your RV, but you may also need optional coverages such as collision, comprehensive, towing, and more.
Choosing your coverage limits and optional coverages depends on the features of your RV, your perceived risks, and financial comfort. Since every RV and personal situation is so different, the best way to get a good idea of how much RV insurance you need is by talking with an insurance agent.
We will say however, since an RV is a large investment and is capable of significant damage, we usually recommend a pretty substantial policy.
How much does RV insurance cost?
Not to beat around the bush, but the cost of RV insurance can vary significantly based on RV features, frequency of use, driving history, and the coverages, limits, and deductibles you select.
Generally, an RV policy will cost around $1,000 - $2,500 per year ($83 - $208 monthly).
What happens if I need to file a claim?
If you’ve gotten in an accident or had damage to your recreational vehicle, don’t panic. We can help you through it.
Once you’ve made sure you and your vehicle are moved to safety, there are a number of details you’ll want to gather for if/when you decide to file a claim, including details of the accident, the people/vehicles involved, photos of damage/license plates/registrations/drivers licenses, police report, crash report, and auto insurance policy numbers of everyone involved.
Once you’ve collected that information, report it to your insurance agent who can navigate the claims process for you by reporting it to your insurance company and getting an adjuster assigned to review your claim information and make a determination.
How RV insurance keeps your adventure chariot rolling
We know you already spent a ton on your RV and you don’t want to spend another dollar on RV insurance. But buying a policy ensures you can protect that RV and not be stuck with a huge out-of-pocket expense.
Physical coverage for your RV
RVs are worth a lot of money. If it gets damaged, you don't pay for the repairs … your policy does.
Coverage for your family drivers
Whether you have a newly licensed teen or your mother-in-law driving, your policy will defend in an accident anyone listed as a covered driver of your RV.
Coverage for accidents
Unfortunately, accidents happen. You’ll want a policy that will cover you for any property damage or injuries that you may cause to others.
Simplifying recreational vehicle insurance … one blog at a time
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.