Depending on the coverage you choose, recreational insurance may help with repairs, medical expenses, or damage to someone else’s property after a covered accident. Your policy limits, deductibles, and specific coverage will determine what is covered.

Motorhome insurance can provide protection while your RV is on the road as well as when you are using it as a temporary living space. Depending on the policy, coverage may include liability, physical damage, personal belongings, and certain emergency expenses.

Even when your camper is parked at home, it can still be exposed to theft, fire, vandalism, falling objects, and New England weather. A dedicated camper policy may provide broader protection than relying solely on your homeowners insurance. It is a good idea to review your coverage before storing your camper for the season.

Boat collision coverage may help pay for repairs or replacement following a covered accident involving another boat, a dock, or another object. A deductible generally applies. Coverage can vary, so it is important to make sure your policy fits how and where you use your boat.

Coverage may apply when an approved rider is involved in a covered accident that damages the ATV. Permission, age requirements, and other policy conditions may apply, so be sure to understand who is covered before letting someone else take the wheel.

Some personal watercraft policies can include coverage for the trailer used to transport your Jet Ski. In some situations, trailer coverage may be available separately or through an endorsement. We can help you review the options that make sense for your equipment.

An insurance company will typically need information such as the snowmobile’s make, model, year, value, vehicle identification number, and storage location. Details about who will ride it and how it will be used may also be needed.

Depending on the policy, comprehensive coverage may help with certain types of animal-related damage, including a collision with wildlife. Since coverage varies between policies and insurance companies, it is worth reviewing the details with your insurance professional.

In many cases, keeping coverage in place during the off-season can help protect your recreational vehicle from risks such as theft, fire, vandalism, and weather-related damage. This can be especially important in Massachusetts, where seasonal weather can bring snow, ice, wind, and storms. Before reducing or canceling coverage, talk with your insurance agent about how your policy works during the months when your recreational vehicle isn't being used.

Absolutely. If your household has multiple recreational vehicles—such as a boat for summer and a snowmobile for winter—we can review your insurance needs and help you understand the coverage options available. At Hoffman Insurance, we take the time to understand each customer's situation and recommend coverage suited to their needs.