Recreational Vehicle Insurance
We’ll keep the fun stuff protected
Owning a recreational vehicle is a great way to immerse yourself in the Massachusetts way of life. With the four seasons, there are plenty of options to choose from to get the most out of your outdoors time. From motorhomes and campers, to snowmobiles and off-roaders, we’ll offer you many options to protect your recreational vehicles from accidents or theft. Consider choosing WebFirst for recreational vehicle insurance, so you can have peace of mind while enjoying the great outdoors.
Contact an AgentWhat is recreational vehicle insurance?
Recreational vehicle insurance provides protection if you cause injuries or damages to others. It can also cover the cost of damages to your vehicle, if an incident that is covered occurs.
Unlike auto insurance, which only covers cars and trucks, recreational vehicle insurance covers a wider variety of vehicles, both in and out of state, including:
- Class A, B, and C motorhomes
- Travel trailers
- Pop-up and truck campers
- Off-road vehicles
Coverage
Protects your vehicle from theft, vandalism, windshield damage, acts of nature, and debris kicked up by other vehicles.
Covers damage to your RV due to an accident, regardless of fault.
Normally only required for motorhomes. Pays for damage or injuries you cause while driving your motorhome and covers legal fees that may result from the accident.
Coverage protects your motorhome when damages occur, or when you experience personal injury in an accident.
Medical bills, up to the limit you choose, may be covered for you and your passengers if you’re in an accident, regardless of fault.
What happens when you contact our agents?
You request a quote
You will be asked to provide the basic required information for a quote to one of our insurance agents. This information would be your name and the vehicles you would like insured. We will reach out directly for more information once you request a quote.
Verifying coverages
We will verify your needs for your insurance policy. This is so that we can provide you with the best insurance in Massachusetts that caters to your needs.
We write up a quote
Based on the information that you provide to our agents, we will write up a quote for you, and contact you with several differently priced options, to see what fits your budget. We work with many carriers, so finding you the right coverage at the most affordable price is the name of our game.
Signing the contract
If you like the terms and the price, the insurance agent sends over an application. The customer fills out the application, and sends in a down payment on the policy.
Get a quote
By representing different insurance companies WebFirst Insurance, LLC can shop for the most affordable insurance plan for your needs. Our exclusive Rating system can deliver an insurance rate comparison in a matter of minutes. Let WebFirst Insurance, LLC provide you with competitive quotes and the best recreational vehicle insurance in Massachusetts.
To get a quote, click the “Get Started” button below or call us at (800) 957-1455. Our agents are available Monday – Friday from 8:00 am – 4:30 pm.
Terms you should know
Premium
the amount of money you pay for your insurance policy
Deductible
the out-of-pocket expense that you are required to pay before your insurer will cover your claim
Rate
the cost of your unit of insurance
Escrow
a third party service that holds your money until the money is ready to be released
Negligence
when a person doesn’t exercise reasonable care in a given situation
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Frequently Asked Questions
What does recreational vehicle insurance not cover?
Recreational vehicle insurance does not cover natural wear and tear from things such as mold, fungi, or rot. Damage from earthquakes and floods is also not covered.
Are my personal belongings inside of my RV covered?
Your personal property is covered up to a certain limit, which varies by carrier. Settlements for your personal property will be based on an Actual Cash Value (ACV) basis.
Do I have to pay for my insurance policy during the off-season?
We recommend keeping your insurance policy active during the off-season, even if you’re not using your vehicle. Otherwise, it won’t be covered in the event of an incident.
Am I covered if I drive my RV to a different state?
If you’re passing through a different state in your RV, you’re covered. If you’re parking your RV in a different state for an extended period, you should purchase RV insurance coverage for that specific state. There is no set amount of time that qualifies you for this, but if your RV is permanently stored in a different state, it will need to be insured in that state.
Does my policy cover all members of my household?
Any other operators other than the named insured will need to be listed as such on the policy. Otherwise, they won’t be covered by your insurance when they operate your vehicle.
How much recreational vehicle insurance coverage do I need?
The exact amount of coverage you’ll need depends on your vehicle, but we recommend purchasing more than the state required minimum coverage, to ensure that you’re covered, no matter what incident comes your way. When you contact our agents, they will work to make sure you have adequate coverage.
Looking for boat insurance?
Head to our new boat product page below to get a quote for boat insurance.