Is Motorhome Insurance Mandatory?

A lot of families pack up their camper for a road trip during summer. It’s one of the best ways to travel and see the country with your family. But if you own or are considering getting a recreational vehicle, commonly referred to as an RV or a motorhome, you may be confused on whether or not you need a motorhome insurance. When it comes to motorhome insurance, many factors come into play and laws vary from one state to the next. 
 
In Massachusetts, for instance, you will be required to carry valid liability insurance to drive legally. But do you need a separate insurance for your camper or fifth wheel when driving on Massachusetts roads? Well, not necessarily. But the fact that you may not be legally obligated to carry motorhome insurance for your RV doesn’t mean that you shouldn’t. At Vargas & Vargas Insurance in Dorchester MA, we can help you choose a motorhome insurance coverage that makes sense for your situation.
 
When Is Motorhome Insurance Required?
 
One critical factor that comes into play when it comes to deciding whether you need a separate motorhome insurance policy is the class of the RV. There are three major classes of RVs i.e. class A, B, and C. Class A motorhomes include long RVs such as luxury coaches. The small class of recreational vehicles are covered in class B and include camper vans, travel trailers, and cargo van type designs. 
 
Fifth wheels and other vehicles whose camper portions extend over the cab area are in Class C motorhomes. You definitely need a separate motorhome policy if you have a Class A or Class B motorhome. You may also need motorhome insurance if your RV is a rental or if you don’t own it outright. Find the right coverage for your camper or motorhome at Vargas & Vargas Insurance in Dorchester, MA. Give us a call if you need more information on motorhome insurance.