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Recreational Insurance

Recreational Insurance - Main Page

Your Adventure Awaits, Drive With Confidence!

Your recreational vehicle is not just a hobby; it’s an integral part of your lifestyle and an investment worth protecting. As you embark on thrilling adventures, whether on snow, water, rugged terrains, or cross-country journeys, it’s crucial to have the right insurance coverage to safeguard yourself and your valuable asset.

At LoPriore, we understand the significance of your outdoor pursuits, which is why we offer a diverse range of recreational insurance policies tailored to suit your individual lifestyle and needs. With our comprehensive coverage, you can enjoy your outdoor experiences with the peace of mind that comes from knowing you’re protected by a trusted insurance partner.

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Massachusetts Recreational Insurance
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For a recreational insurance quote, simply complete the form below. We will contact you to discuss coverage options and discounts.

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Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.

Request Recreational Insurance Quote

For a recreational insurance quote, simply complete the form below. We will contact you to discuss coverage options and discounts.

Upload Your
Current Policy

Already have a policy? Easily upload your insurance policy so we can explore and compare true apple-to-apple options.

Talk To An

Need assistance or have questions? Our agents are happy to help. Please call to discuss your insurance needs.

Massachusetts Recreational Insurance
Lopriore Insurance Agency

Recreational Insurance - Service Page Image

At LoPriore Insurance, we get that owning a recreational vehicle comes with its fair share of uncertainties. That’s why we offer comprehensive RV Insurance solutions to protect your adventures from potential bumps in the road. Our expert team is dedicated to tailoring coverage that fits your unique needs, ensuring your cherished RV and unforgettable journeys are safeguarded every step of the way.

From on-the-road protection to coverage for your personal belongings and liabilities, our extensive range of insurance options is designed to keep you worry-free during your travels. With our trusted partnerships with leading insurance providers, we bring you top-notch policies that grant you peace of mind, allowing you to focus on the joy of exploring the open road.

In the face of unexpected incidents, LoPriore Insurance is your reliable ally, ready to assist you in securing your path to unforgettable experiences. Let us help you navigate the intricacies of RV insurance so you can hit the road with confidence, knowing that we’ve got you covered wherever your journey takes you.

What Recreational Insurance Covers

Motor Homes

Campers & Trailers


Dirt Bikes


Golf Carts

Scooters & Mopeds

Dune Buggies

Jet Skis

What Recreational Insurance Covers

Motor Homes

Campers & Trailers


Dirt Bikes

Golf Carts

Scooters & Mopeds

Dune Buggy

Jet Skis


Understanding the Importance of
Recreational Insurance

Your recreational vehicle is an enjoyable part of your lifestyle. It’s also an investment and can lead to potential risks. Whether your outdoor hobby takes you through snow, over water, across rough terrain, or around the country, you need the right insurance to protect yourself and your investment. LoPriore offers a variety of recreational insurance policies to fit your unique lifestyle.

What is It?

Recreational insurance is a policy that provides specialized coverage for recreational vehicles that aren’t provided by your standard homeowners or auto insurance policy. Your recreational insurance may be added to your homeowners insurance (if you only use it on your property) or your auto insurance (if you use it in public areas).

Why Do I Need It?

Recreational Insurance steps in to protect you from accidents, theft, vandalism, and liability issues. With this coverage, you can feel confident and secure, knowing that your recreational equipment and financial interests are well taken care of.

Who Is It For?

Recreational Insurance is for all adventure lovers, nature enthusiasts, and anyone who enjoys recreational activities. Also, if you are financing a recreational vehicle, you might be required to carry insurance to protect the assets of your lender. At LoPriore Insurance Agency, we understand your passion and ensure you have the right protection.

How To Insure My Recreational Vehicle

Recreational Insurance - How To Insure

Insuring your recreational vehicle (RV) is vital for financial protection against potential risks and liabilities. Research reputable RV insurance companies, gather quotes, and compare coverage options and premiums to make an informed decision. Standard RV insurance includes liability, comprehensive, collision, uninsured/underinsured motorist, medical payments, and personal belongings coverage. Look for available discounts to potentially reduce premiums. If you live in your RV full-time or use it extensively, consider additional coverage. Verify your state’s insurance requirements and carefully review the policy documents before finalizing your RV insurance to ensure adequate protection.

Tips for buying Recreational Insurance

Recreational insurance needs can vary based on individual circumstances, so finding the right policy may require some research and professional advice. By following these tips and working with a knowledgeable insurance professional, you can make an informed decision and secure appropriate coverage for your recreational pursuits.

Assess Your Needs
Determine the type of recreational activities you participate in and the potential risks involved. Identify the assets you want to protect, such as equipment, property, or vehicles used during the activities.
Review Insurance Quote
Review the coverage options included in the quote. Ensure that it meets your specific needs and provides adequate protection for your recreational activities.
Ask Questions
If there's anything you don't understand or need clarification on, don't hesitate to ask the insurance agent or broker who provided the quote.

How much does Recreational Insurance Cost?

The cost of recreational insurance can vary significantly depending on several factors, including the type of recreational activity, coverage limits, deductible amount, location, the insured’s claim history, age, experience, safety measures, and the value of equipment, among others.

Since recreational insurance is not a standardized policy, and each insurance company uses its own underwriting criteria and pricing model, it’s challenging to provide an exact cost without specific information about the individual or organization seeking coverage.

For a ballpark estimate, recreational insurance costs can range from a few hundred dollars per year for lower-risk activities with minimal coverage to several thousand dollars per year for high-risk activities with extensive coverage.

Recreational Insurance - Cost
Type of
Coverage Limits
Deductible Amount
Claim History
Value of Equipment
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Factors that Affect The Cost Of A Recreational Insurance Policy

The cost of recreational insurance is influenced by several rating factors that insurance companies use to assess the risk associated with covering various recreational activities. These factors help determine the premium amount that the insured needs to pay. The specific factors may vary between insurance providers, but common rating factors that affect the cost of recreational insurance include:

It’s essential to note that each insurance company may use a combination of these factors, along with their underwriting guidelines, to calculate the cost of recreational insurance. 

Recreational Insurance Coverage Details

Recreational insurance typically offers a range of coverage options designed to protect individuals, organizations, or businesses engaged in various recreational activities. The specific coverage options available may vary depending on the insurance provider and the type of recreation involved. However, some common coverage options for recreational insurance include

Collision Coverage
Collision Coverage for recreational insurance offers protection for your recreational vehicles in case of collisions with other vehicles or objects. It helps cover repair costs or compensates for the actual cash value of the vehicle if it is deemed a total loss, ensuring you can enjoy your recreational activities without worrying about costly damages.
Property Coverage
This option provides protection for the insured's equipment, gear, or property used in recreational activities. It covers damage or loss due to accidents, theft, fire, or other covered perils. For example, if a participant's expensive sports equipment is stolen during an event, property coverage can help with the replacement costs.
Medical Payments Coverage
Medical payments coverage, also known as MedPay, covers medical expenses for injuries sustained by participants during a recreational activity, regardless of who was at fault. It can help with medical bills, ambulance fees, and other medical expenses related to accidents that occur during the covered event.
RV Insurance - Dirt Bike
Recreational Insurance Coverage
Liability Coverage
This is one of the essential coverage options for recreational insurance. It protects the insured from financial loss if they are found legally liable for injuries to third parties or damage to their property during the course of the recreational activity.
Uninsured or Underinsured Motorist Coverage:
If the recreational activity involves motor vehicles, this coverage can protect participants if they are involved in an accident with an uninsured or underinsured driver.
Excess Liability Coverage
This coverage option provides additional liability protection beyond the limits of the primary liability coverage. It is especially useful for high-risk activities where the potential for severe injuries or property damage is higher.
Optional Equipment Coverage
Optional equipment coverage protects a business's specialized or additional equipment beyond standard property insurance, providing financial security against damage, loss, or theft.
Coverage For Trailers Used For Transporting
Trailer coverage provides insurance protection for trailers used to transport goods or equipment, covering damage to the trailer and liability for potential accidents during transportation. It offers businesses peace of mind and financial security while moving their assets.
Recreational Insurance - Trailer Coverage

Protect Your Vehicle
Secure Your Peace of Mind

Request Your Recreational Insurance Quote Today

Protect Your Vehicle.
Secure Your Peace of Mind.
Request Your Recreational Insurance Quote Today!

Getting a quote for recreational vehicle insurance is a simple and important step in protecting your valuable assets. By requesting a personalized quote, you can compare coverage options and find the best insurance plan to ensure worry-free adventures with your RV, motorcycle, or ATV.

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Policy Comparison Submission
Already have coverage and want to compare? Scan your coverage page and upload it here. Accepted file types: .jpg, .png, .pdf, .doc, .docx.

What’s The Advantage of Comparing My Insurance Policy?

When you send us a copy of your policy, our team has an opportunity to get a snapshot of your current insurance coverage, discounts, and added riders on your existing insurance policy.

Where Do I Find a Copy of My Insurance Policy?

Insurance companies send you a copy of your insurance policy annually and if any changes to your policy have been made during the year. However, if you are unable to locate your policy, your insurance company or insurance agent should be able to send you a duplicate copy via email, fax, or mail.

What Happens When You Upload Your Policy?

Once we receive your uploaded policy one of our team members begins reviewing your policy. We will then contact you to discuss your coverage options. Every insurance company has different underwriting guidelines and offers different coverages and rates. Be advised while we try our best to quote with the information provided it still may be necessary to obtain additional information from you to prepare the most accurate rate.

Extra Protection, Extra Peace of Mind

Protect your recreational vehicles with comprehensive recreational insurance coverage. Whether you own a RV, motorcycle, or ATV, get the peace of mind you need to enjoy your adventures knowing that your vehicles are well-covered. Request a personalized, no-obligation quote today and secure the protection your recreational vehicles deserve!

Quote Request Form

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Upload your current policy coverage page and we will do all the quoting for you.

Recreational Insurance FAQs

Typically, there is no coverage for ATVs under your home insurance. However, minimum liability coverage may be provided if the ATV is only used on the homeowner’s property.

While some coverage for watercraft is supplied by a home insurance policy, jet skis are excluded from this type of coverage.

If you plan to drive your golf cart on public roads, you would need a recreational insurance policy. However, if you only drive your golf cart on your personal property, homeowners insurance can provide limited coverage.

A standard recreational insurance policy covers ATV use for recreational or commuting uses. Organized racing is typically excluded from any standard recreational vehicle insurance policy. Additionally, it’s important to remember that certain ATVs like four-wheelers and dirt bikes aren’t legally permitted on highways and roads.  Any claim filed for an incident in which your ATV is being used illegally would likely be denied.

Yes. Massachusetts state laws have a variety of requirements for ATV users to follow. 

  • Recreational vehicles must be registered unless they’ve been approved for an exclusion.
  • All users and riders are required to wear an approved helmet.
  • A recreational vehicle must be equipped with one or more headlights, a red rear light, and a red rear reflector when operated after sunset.
  • Operation within 150 feet of a residence is not permitted without permission from the owner.
  • Operating under the influence of drugs or alcohol is prohibited.

This is not an exhaustive list. Learn more about off-highway vehicle safety laws before operating any ATV.

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