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The state of Massachusetts is home to some of the most picturesque RV destinations in the country. From the stunning coastline of Cape Cod to the serene lakes of the Berkshires, RV enthusiasts can enjoy breathtaking scenery while on the road. However, RV owners in Lakeville, MA, a popular RV destination in the state, face unique challenges when it comes to obtaining insurance for their vehicles.
Compared to the rest of the country, RV insurance in Massachusetts is significantly more expensive. According to recent data, the average annual cost of RV insurance in Massachusetts is $2,129, while the national average is $1,000. This can be attributed to a number of factors, including the state's high population density, which increases the likelihood of accidents and thefts.
Class A and Class B motorhomes are the most popular types of RVs in Massachusetts, and these vehicles are often equipped with amenities such as full kitchens, bathrooms, and entertainment systems, making them a comfortable option for extended trips. However, their size and high value make them more expensive to insure compared to smaller RVs like travel trailers.
In Lakeville, which is a popular destination for RV enthusiasts, these larger RV’s are particularly prevalent. This is due to the presence of so many beautiful campgrounds and parks, such as the Myles Standish State Forest and the Middleboro Wildlife Management Area. As a result, local RV owners in Lakeville and the surrounding areas face even higher insurance costs compared to other regions in the state.
The state's mandatory personal injury protection (PIP) coverage adds an extra layer of expense to RV insurance policies in Massachusetts. This coverage provides medical benefits for injuries sustained in an accident, regardless of who was at fault. While PIP coverage is designed to protect drivers and passengers, it can drive up insurance premiums significantly, especially for RV owners with larger, more expensive vehicles.
Massachusetts has strict insurance requirements for RV owners, including minimum liability coverage limits of $20,000 per person and $40,000 per accident for bodily injury, as well as $5,000 for property damage. These requirements, combined with the high cost of insurance for Class A and Class B motorhomes, can make it difficult for some RV owners to find affordable insurance coverage in the state.
RV insurance in Massachusetts presents a unique set of challenges, particularly for owners of larger, more expensive models. The high population density in the state, combined with the mandatory PIP coverage, contributes to higher insurance costs compared to the national average. However, with DDHT Insurors, RV owners in Massachusetts can find affordable and comprehensive insurance coverage to protect their vehicles and enjoy their travels.