RV Insurance in Massachusetts

How to choose the right RV Insurance for your ride.

Congratulations on deciding to join millions of other road warriors by investing in a motor home or travel trailer.

Whether you’re planning to take your new RV up the coast of Maine or hitch a pop-up trailer to your SUV and head to your favorite campsite in the Green Mountains, before you hit the road, you are going to want to secure the proper recreational vehicle insurance. This important coverage should help you not only repair or replace your big investment if damaged in an accident but also pay for medical costs and other expenses related to any injuries you or your passengers might suffer.

Lighthouse Insurance is sure you have questions about RV insurance, so we’re here to provide some helpful answers, including sharing what coverages a policy includes and how much it might cost.

What does RV insurance cover?

Standard coverage typically includes:

  • Comprehensive and Collision
  • Liability
  • Uninsured/Underinsured Motorist
  • Medical Payments

However, you may want to consider adding the following extra insurance for your motor home or camper:

  • Roadside Assistance
  • Total Replacement Cost
  • Replacement Cost/Personal Effects
  • Vacation Liability
  • Full Timer’s Liability (if your RV is your full-time residence)
  • Loss Assessment
  • Emergency Expense Coverage
  • Pet Coverage

How much does RV insurance cost?

This is a question we get often, and the answer isn’t simple. Many factors go into pricing out your camper or RV insurance, including which carrier you choose. Through relationships with the top local and national insurance carriers, Lighthouse has a few options for quoting your policy and getting you highly competitive rates.

On top of the carrier you choose, several other factors will impact your overall insurance cost, including the following.

Type, age, and condition. Your insurance premium will be based heavily on the make, model, and year of your vehicle. It may come as no surprise that an older pop-up trailer will cost less than a state-of-the-art new motor home.

Usage. Where you travel to and how often you use your camper and RV will also affect the cost. Suppose your motor home is your primary summer residence. In that case, your rate will differ slightly from that of someone who is only a weekend adventurer.

Driving history. Just like your auto insurance, your driving history will impact your RV insurance rates. A clean driving record, one with no traffic violations or accidents, will help you keep your insurance premium more manageable.

There are also some discounts that we can apply to help reduce the cost of your RV insurance. For example, if you bundle your RV insurance with the same carrier as your home and car insurance, you could qualify for cost savings. In addition, if you’re the original owner of your RV, regardless of the age of the vehicle, you could also earn a credit. And, remember that clean driving record? It might just get you a discount on your RV insurance, as well.

If you’re ready to partner with an insurance professional who will get to know you personally and who understands all the factors that go into the proper insurance for your RV, then it’s time to contact Lighthouse Insurance for a quote.

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