Recreational Insurance FAQs

In many cases, yes. Your home or auto insurance may provide little or no coverage for certain recreational vehicles. A separate policy can help protect your RV, camper, ATV, boat, Jet Ski, or snowmobile against covered damage while also providing important liability protection if an accident occurs.

Motorhome insurance can include liability, collision, comprehensive, medical payments, and coverage for personal belongings kept inside your RV. Depending on the policy, you may also be able to add roadside assistance or coverage for temporary lodging if your motorhome becomes unusable after a covered loss while you’re traveling away from home in Massachusetts or beyond.

Your auto policy may provide some liability protection while you’re towing a camper, but that doesn’t necessarily mean the camper itself is fully protected. Camper or travel trailer insurance can provide coverage for physical damage and other losses that may not be covered by your auto policy.

Boat liability insurance can help protect you if you’re responsible for injuring someone or damaging another person’s property while operating your boat. It may also help with legal expenses related to a covered accident. For Massachusetts boat owners who spend summer weekends around Boston Harbor, Massachusetts Bay, Cape Cod, or other local waterways, having the right liability limits is especially important.

Massachusetts does not generally require insurance for an off-road recreational vehicle, but that doesn’t mean going without coverage is always a good idea. Your lender may require insurance if the ATV is financed, and a recreational vehicle policy can help protect you from losses involving accidents, theft, property damage, or liability. Massachusetts also has separate registration and operating requirements for ATVs and other off-highway recreational vehicles.

It can. If your policy includes collision coverage, it may help pay for accidental damage to your personal watercraft. Comprehensive coverage may provide protection against other covered losses, such as theft, fire, vandalism, or certain storm-related damage. Coverage varies, so it’s important to review the details of your policy.

Snowmobile insurance may include medical payments coverage for injuries to you or your passengers following a covered accident. Liability coverage can also provide important protection if you’re responsible for injuring someone else or damaging their property while riding.

Depending on your policy, comprehensive coverage may protect your recreational vehicle against certain weather-related losses, including wind, hail, falling objects, and storm damage. Here in Massachusetts, coastal storms, nor’easters, high winds, heavy snow, and freezing conditions can all create risks for recreational vehicles, boats, and campers—even while they’re being stored for the season.

Yes. If you own more than one recreational vehicle—such as a boat, camper, ATV, motorhome, Jet Ski, or snowmobile—there may be options for placing your coverage with the same insurance carrier. This can make managing your policies easier and, depending on the insurer, may also provide opportunities for multi-policy discounts.

We recommend reviewing your coverage at least once a year and whenever you purchase new equipment, make significant upgrades, change where your recreational vehicle is stored, or change how you use it. For Massachusetts owners, spring is a great time to review boat, camper, and RV coverage before the summer season, while snowmobile owners may want to check their protection before winter arrives.

Yes. Recreational vehicles can have very different insurance needs, and the right coverage depends on what you own, how you use it, where it’s stored, and the protection you already have. Connolly, Kroon Insurance can help Dorchester, Boston, and Massachusetts customers review their options and find coverage that fits their recreational lifestyle.