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Motorhomes are unique vehicles, and as such have unique insurance considerations. RV insurance is specially designed for insuring motorhomes and similar vehicles.

Additionally, residents who have financed or leased their RVs may be doubly required to carry insurance. Many lenders stipulate that loan or lease holders carry certain coverages for the duration of their RV’s financial arrangement.

  • Collision Coverage, which might cover motorhome damage occurring during accidents
  • Comprehensive Coverage, which might cover motorhome damage occurring during other incidents
  • Property Damage Liability Coverage, which might cover damage to other vehicles and/or property

What is RV insurance?

Operating a motorhome requires more protections than most standard auto insurance policies come with. RV insurance can help Massachusetts residents protect their motorhomes, their belongings, and themselves.

Motorhomes are unique vehicles, and as such have unique insurance considerations. RV insurance is specially designed for insuring motorhomes and similar vehicles.

RV Insurance Massachusetts

 

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  • When I called the staff at Paul T. Murphy Insurance, they explained how auto reform would allow me to increase coverage and save money at the same time. I moved my home and umbrella insurance to my current auto carrier and saved over $350. In July 2008 when my auto insurance renews with Safety Insurance, I will save another $300 just for having my auto and home insurance with the same company. The staff at Paul T Murphy Insurance Agency really understands the new Massachusetts reform and how to pass savings and additional coverage to their clients.

    Frank

    Winchester, MA

  • After many years of doing business with the Paul T. Murphy Insurance Agency, I am thrilled to learn of this relationship with Northrup to service the Lynnfield area. I have trusted both my personal and business policies with Paul and have never received less than the best of service. I like the face that they service as professionals but treat you like a friend. Recently during a complicated Workers Comp claim, Paul showed up to walk me through what I thought would be a mess of paperwork and confusion – the personalized service I receive spoke volumes. I have never gotten service like that from anyone else. I also like the fact that they are always ready to save me money without ever compromising my coverage.

    Tony Bartolo

    Lynnfield, MA

  • One of the best business and personal decisions I ever made was to collaborate with Paul Murphy Insurance Company for our families insurance needs. Starting with our business policies, then eventually all of our personal policies, we have slowly transitioned all to be managed by PMI. Many companies loosely tout that they treat you as one of the family; PMI proves it in their actions. We are glad we are part of their family.

    Kelly Ilebode

    Boston, MA

Who in Massachusetts should have motorhome insurance?

Most Massachusetts residents who own RVs or motorhomes should have motorhome insurance. State law generally requires vehicles to be insured, and this tends to be the best insurance for these vehicles.

Additionally, residents who have financed or leased their RVs may be doubly required to carry insurance. Many lenders stipulate that loan or lease holders carry certain coverages for the duration of their RV’s financial arrangement.

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What types of motorhome insurance policies are available?

Insurance companies generally classify motorhome insurance policies into three categories. The categories are defined by what size motorhome can be insured:

  • Class A policies normally cover the largest RVs and converted school/coach buses
  • Class B policies normally cover smaller motorhomes, travel trailers and camper vans 
  • Class C policies normally cover the smallest motorhomes and fifth-wheel trailers

What coverages are available through motorhome policies?

Motorhome policies often have a combination of auto coverages and homeowners coverages. 

The auto-related coverages tend to protect the motorhome, the driver, passengers, and others who could be injured in an accident. These coverages can include:

  • Collision Coverage, which might cover motorhome damage occurring during accidents
  • Comprehensive Coverage, which might cover motorhome damage occurring during other incidents
  • Property Damage Liability Coverage, which might cover damage to other vehicles and/or property
  • Personal Injury Coverage, which might cover injuries to the motorhome driver and/or passengers
  • Bodily Injury Coverage, which might cover injuries to other drivers, passengers or bystanders
  • Uninsured and Underinsured Motorist Coverage, which might cover accidents caused by uninsured drivers

The property-related coverages tend to add protections for personal belongings, when a motorhome is parked, and some other items. These coverages can include:

  • Personal Property Coverage, which might protect belongings (e.g. clothing, electronics) in a motorhome
  • Emergency Expenses Coverage, which might protect against unanticipated costs following an incident
  • Campsite and Vacation Coverage, which might protect against certain risks while traveling on vacation
  • Full-Timer Coverage, which might add extra liability and property protections for RVers who don’t have another residence

RV Insurance Massachusetts

Can RV owners save money by canceling their motorhome policy when not traveling?

Some RV owners change coverages when their motorhome is parked in the driveway, in order to save on insurance premiums. While this is possible to do, a policy normally shouldn’t be altogether canceled.

Canceling a policy may leave a motorhome unprotected against damage from falling tree branches, falling icicles, fire, vandalism, and similar perils. Any belongings in the motorhome would also likely be unprotected against theft or other loss. 

Instead, a policy may be adjusted so that it protects against these risks but doesn’t include other protections that are unnecessary when not driving. This could leave important protections in place, while also reducing premiums some. 

An insurance agent who specializes in motorhome policies can help RVers adjust their coverages when not traveling.

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Should RV owners purchase personal property coverage through their motorhome policy?

Before purchasing personal property coverage through a motorhome policy, RVers should first check whether they have coverage through their main homeowners' insurance policy. Most homeowners policies offer this coverage, but where it extends to can vary.

Homeowners' policies that have “worldwide coverage” for their personal property coverage normally protect belongings wherever they are (except for select places, such as war zones). In this case, additional personal property coverage through a motorhome policy is likely unneeded.

If a homeowners policy doesn’t have “worldwide coverage,” the policy may provide only limited protection for belongings that aren’t at the insured residence. In this case, additional personal property coverage through a motorhome policy is likely recommended.

An insurance agent who knows motorhome policies well can help RVers sort through these details.

How can Massachusetts residents get RV insurance?

For assistance insuring a Massachusetts-registered motorhome, contact the independent insurance agents at Paul T. Murphy Insurance. Our agents will work with you to identify coverage needs, and then we can help you explore RV insurance policy options that meet those needs.

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