As the owner of an RV, you know there is nothing better than hitting the open road with your family and friends. While traveling across the state, or even country, can be fun, it comes with a lot of responsibility on your part. No matter how far you may be from your home, protecting yourself and your family has never been easier. Since you never know what could happen on the open roads, or even when parked in a parking lot, having Massachusetts RV insurance will give you the coverage you need. Not only will your passengers be protected, but your belongings inside your recreational vehicle will be as well! Your RV serves as both a vehicle and a home for your trip, so you are going to need more than just auto or home insurance to stay safe.
Hitting the road in your new RV can be really exciting, but you should be sure you have the proper insurance on your new vehicle before taking off. More often than not, your RV can be added as a vehicle to your existing auto insurance policy. Yet, some companies will require a separate policy, due to the RV serving as a home to you as well. RV insurance is just like your auto policy; you have coverage for liability, property damage and physical damage. Here are a few differences that you should be aware of when purchasing RV insurance in MA:
- Physical damage to an RV is rated on the cost of the new RV. Since some can cost in excess of $100,000, it’s crucial to check with an agent to insure a high enough value.
- Collision coverage will cover damage from accidents that may occur with your RV.
- Comprehensive coverage would protect your recreational vehicle if it were vandalized or if a branch were to fall on it while parked.
- Your personal items are not covered under your policy if it were to be broken into while parked. In this case, your homeowners insurance policy would protect your items, but subject to a deductible.
- “Permanently installed” items, such as a radio that are damaged or stolen from your RV are covered under your comprehensive coverage, but again subject to a deductible.
As with any insurance policy, it is important that you keep your agent updated of any changes that may occur. Here are some questions to keep in mind if anything were to change with your Recreational Vehicle:
- Who is driving your vehicle? Do you need to add another driver to your policy?
- Where is it parked? Are you going to change its location?
- Keeping your agent updated will assure there is no gap in your coverage and will keep you protected
How well do you know the state you live in? Did you know these fun facts about Massachusetts?
- According to the US Census Bureau, it has the lowest divorce rate in the country with only 2.2 divorced per 1000 people.
- While the Library of Congress contains the most books, Harvard University’s Library and the Boston Public Library come in second and third place with 15-14 million books!
- The official state dessert is the Boston cream pie, which was invented at the Omni Parker House in Boston.
If you have your RV parked for a long period of time when you are not traveling some issues may arise. Most insurance companies will want your RV insured as a secondary home, at this point, to provide coverage for things that may occur even when it is parked. Having your personal property, such as a semi-permanent deck attached to the RV, protected and having added liability, in the event someone were to slip and fall in or around your RV, could help keep you safe in the long run.
Traveling can be a great experience, but being prepared can give you the peace of mind to fully enjoy your trip. Here are some things you should know about your MA recreational vehicle insurance while traveling:
- If you carry a high deductible on your home insurance, you may not want to place a claim for any personal property that is damaged inside your RV. You can opt to add personal property coverage to your RV policy, which would offer you a lower deductible.
- If you own a motor home, make sure you carry high limits of liability coverage for bodily injury to others as well as bodily injury caused by an uninsured motorist. If you own a camper, the liability comes from the vehicle towing it.
- In the event of an accident, having collision coverage can help repair your RV from most damages, from when the car was in motion, and comprehensive coverage can repair your RV from most theft or vandalism
At Encharter, we can find the right coverage for your RV to fit your traveling needs. Talk to an agent about writing you a policy to cover anything from a pop-up travel trailer to a motor home-even if it is just seasonal! They can help provide you with special coverage for any custom parts or equipment you may have. Even when your RV is parked at home in Massachusetts, it needs to be kept safe for future trips. Your policy can even include specialized towing and roadside assistance, in case a potential accident was to occur. Having extra liability coverage, or umbrella insurance, can help you in those unexpected events.
Call our Encharter agents to at 888.754.8299 or use our contact form above to protect your RV with the right coverage in MA!