What Protections Does Recreational Vehicle Insurance Provide?

Many of the protections that recreational vehicle insurance policies provide are also found in car insurance policies, but there are some other protections that RV policies offer and auto policies normally don’t.

Some of the coverages that most RV policies offer and are also found in many auto policies include:

• Bodily Injury Coverage, which might cover injuries people other than a driver and their passengers sustain in an accident
• Personal Injury Coverage, which may cover injuries sustained in an accident by a driver and their passengers
• Collision Coverage, which might cover damage an RV sustains in a collision
• Comprehensive Coverage, which may cover damage an RV sustains in certain non-collision incidents
• Property Damage Liability Coverage, which might cover damage a driver causes to other people’s property
• Uninsured and Underinsured Motorist Coverage, which may provide coverage if another driver causes an accident but isn’t properly insured
• Emergency Roadside Assistance, which might provide assistance if an RV breaks down

Some of the coverages that RV policies might offer and aren’t normally found in auto policies include:

• Full-Timer Coverage, which people who live in their RV full-time frequently need
• Campsite and Vacation Coverage, which normally extends a variety of protections to road trips
• Emergency Expenses Coverage, which might help pay unexpected expenses that arise if an RV is damaged in a covered incident while on a trip

Will RV Policies Cover Personal Belongings?

Most RV policies provide coverage for belongings kept inside an RV as an optional protection. Not all RV owners in Worcester, MA need this protection, as some owners either already have or are able to get coverage for belongings kept in an RV through their homeowners insurance policy. For those that do need this coverage, though, many RV policies make it available.

Who in Worcester, MA Needs Recreational Vehicle Insurance?

Most Worcester, MA residents who own an RV should have a recreational vehicle insurance policy. Without a policy that meets Massachusetts’ minimum requirements, it’s usually not legally possible to drive an RV on a public road. Additionally, RV owners have little recourse if their RV is damaged or destroyed, and they don’t have a recreational vehicle insurance policy.

How Can RV Owners in Massachusetts Get RV Insurance?

For help finding RV insurance, Worcester, MA residents should contact an independent insurance agent who’s licensed in Massachusetts. An independent insurance agent is able to request quotes for RV policies from several Massachusetts insurers, which makes it easy to determine what company will offer the best policy.