If personal property coverage is already provided by a homeowners policy, it’s usually not necessary to purchase duplicate coverage through an RV policy. Of course, when coverage isn’t provided by a homeowners policy, it’s wise to get coverage for personal belongings through an RV policy.
RV owners who are unsure if they need coverage for personal belongings should ask their insurance agent to review their homeowners policy. Their agent will be able to explain their current coverages and help them select the appropriate ones in an RV policy.
How Much Does Recreational Vehicle Insurance Cost?
Just as auto insurance premiums vary a lot, recreational vehicle insurance costs also vary. How much a particular RV policy costs depends on many factors, including:
- The policy’s class (i.e. Class A, Class B or Class C)
- How frequently the RV is used
- The policyholder’s driving record
- The coverages and limits selected
- Where the RV is stored when not in use
In general, Class A policies are the most expensive because they’re used to insure the largest RVs. Class B policies are usually the least expensive.
How Can Recreational Vehicle Owners in Massachusetts Get RV Insurance?
Massachusetts residents who own or will soon purchase a recreational vehicle can get quotes for RV insurance by contacting an independent insurance agent near them. Most agents who help drivers with auto insurance can also help RV owners with RV policies. There are qualified independent agents serving residents across the nation who can guide you through the process.