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HomeRecreational Insurance in Massachusetts

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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Recreational Insurance in Massachusetts

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Recreational Insurance in Massachusetts

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Recreational Insurance in Massachusetts

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Recreational Insurance in Massachusetts

Request Recreational Insurance Quote

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

Recreational Insurance in Massachusetts

Upload Your
Current Policy

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

Recreational Insurance in Massachusetts

Talk To An
Agent

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

ATV

Dirt Bikes

Snowmobiles

Golf Carts

Scooters & Mopeds

Dune Buggies

Jet Skis

What Recreational Insurance Covers

Motor Homes

Campers & Trailers

ATV

Dirt Bikes

Golf Carts

Scooters & Mopeds

Dune Buggy

Jet Skis

Snowmobiles

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
Recreational
Activity
Coverage Limits
Deductible Amount
Location
Claim History
Value of Equipment
Click On Each Factor
To Learn More

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

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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Recreational Insurance in Massachusetts

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Recreational Insurance in Massachusetts
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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.

Still HAve Questions? Get Answers

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Recreational Insurance in Massachusetts
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Recreational Insurance in Massachusetts

What Others Are Saying About Us!

Brian Burgess was super easy to work with, and I was able to get a great policy without too much of a change in my premium, even though I went from a 13 year old car to a brand new car.
Tithi Dutta Roy
Tithi Dutta Roy
1690206403
Maria was a professional, courteous, and efficient agent. Within a week of initially contacting her, I received quotes, had all my questions answered, had my policies written, and she notified my previous carrier of cancelation. It was a pleasure working with her.
Chad Laliberte
Chad Laliberte
1689254503
Fast, accurate, responsive, and knowledgeable!
Lynn Thomas
Lynn Thomas
1687787112
Honest, straightforward service for commercial and personal insurance lines. I’m a satisfied , long time customer
Ramana Lagemann
Ramana Lagemann
1685988192
They have always treated us well and do a great job with our policies. They are always available if you have questions or concerns.
Bible4Shelley
Bible4Shelley
1685148846
Great experience! We have two units in a duplex. I was looking for a company that provides master insurance. The prices are much more reasonable than the company we used to work with.Quick responses. I’m happy I found them.
Nina Fine
Nina Fine
1683825783
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Raquel Salois'
Raquel Salois'
1682990146
I am so relived I was referred to this insurance company. It is true . . . . . you get what you pay for. I tried all the internet companies first and was bombarded by scams and wasted almost a week with ZERO results. I called and had the pleasure of being paired with an excellent agent Brian Burgess. By this time, I was in a complete panic because I couldn't pick up my new car from the dealership until was insured. I have always had an out-of-state West Coast license that was expired. He was so personable, patient, and very friendly. The most important is that he was professional and new exactly how to solve the insurance issue. He had my car insured within two hours! He has continued to follow-up with me through the process. I am going to refer him to my clients and friends. Thank you Brian!Raquel
Saved my HOA $1,500/year with much more coverage than our previous insurance agent. Tentative & informative.
Elisa Balboni
Elisa Balboni
1681827535
Best insurance experience ever. Thank you Brian.
Elena EVNV
Elena EVNV
1680807226
I did some hunting online to obtain an auto insurance quote and I couldn't be happier with what Maria did for me. First, I loved that LoPriore had an option where I could simply upload my existing policy to obtain a quote. Next, Maria was so efficient in getting back to me. Then with her knowledge of insurance and her companies to choose from, and this is NOT an exaggeration: saved me thousands!! Maria had such sincere empathy for the high premiums we were facing, she went above and beyond to find us a great solution. This experience has truly renewed my faith that there IS indeed personalized customer service still alive and thriving out there. I am so pleased to have found a new insurance agency that I had only online reviews to go by at the start, and that I can without hesitation fully recommend! Do not give it a second thought. Move your policies here.
Kathy I
Kathy I
1680388787
Just switched to LoPriore Ins. Agency. Got a better price from previous agency. Seems like better coverage so far so good
Stan Mills
Stan Mills
1678895614
From the moment I was in contact with LoPriore agent I felt comfortable and secure that I been connected to someone I felt secure speaking with. Made my transition smooth and easy. Thank you!
It has been absolute pleasure working with Richard M. and the team at LoPriore Insurance. For years we did the direct route with homeowners and auto insurance thinking it would be easier and save us money. In beginning of 2022 we converted our multifamily home into condos and couldn't find any agent or companies willing to work with such a small HOA. I contacted Richard in a state of frustration and confusion and within a couple of hours he provided me with options and pricing. I was shocked at his ability to make the process look so easy compared to others I had been in contact with. Since then, we've also switched our primary residence and auto over their agency and Richard was able to get us better policies at a cheaper price! Our days of trying to go direct are behind us - I'm so relieved to have a dependable contact who can eliminate the confusion on such an important topic. Thank you, Richard, for your guidance and expertise!
Johanna Teahan
Johanna Teahan
1670772058
LoPriore Insurance Agency is the best agency around. They are on top of things and get you the best prices. John & Rich are amazing. Always willing to go above and beyond to help me out.
Diana Reilly
Diana Reilly
1670612597
The staff at LoPriore Insurance are second to none! Friendly, quick and knowledgable responses whenever information is needed. We have been a customer for over a decade and I know our business is in great hands with LoPriore Insurance Agency!
Judith Halloran
Judith Halloran
1669143561
Best insurance company i ever worked with by far. Adam Griffin is really amazing and easy to work with.
avi golani
avi golani
1668718966
Business matters are taken care of professionally, with great courtesy and thoroughness. All staff respond to questions as best they can or refer you to other staff as needed. All businesses should strive to be as well run.
Joe Smith
Joe Smith
1663539289
Always quick, easy client service. Thank you.
Michael Cuddy
Michael Cuddy
1662487813
Amazing service especially during these trying times! Made the process seamless and quick! John and Danielle were both great to work with! I highly recommend.
It's all about the service baby!
Lopriore Insurance is the type of agency that shops around for you (the client) getting the best rate and most important, they get you the right coverage.
Recently, I had my families commercial property switched over from another local agency, saving us over 3k with a bunch of extra bells & whistles we didn't even ask for (who does that). This kind of service has me telling my family and friends to support them because of all they do.
Mike Moccia
Mike Moccia
1556196383
I have appreciated all the help I’ve gotten, especially from Danielle! She always answered my phone calls and emails promptly and streamlined the process of getting multiple policies in place for us!
Wendy Vaughan
Wendy Vaughan
1540557208
We have been working with LoPriore Insurance Agency for many years for our auto, personal and business insurance policies. Being a small business owner, it's nice to know that if any issues arise, it only takes a quick phone call to have someone help address it. We always feel that we are in good hands with John and his amazing team!
Adam Griffith is our main man at lopriore insurance. Very efficient and honest! Not just an agent but a trusted advisor. Try and find someone to figure out how to insure a tattoo shop within a barber shop?? You would think it’s not possible, but Adam made it happen.
John and his team are the best.
I use them for all my insurance needs, auto, home and business.
Companies that I work with are always impressed on how quickly they respond to all our insurance needs.

Try LoPriore insurance, you will not be disappointed
John R. Micieli
John R. Micieli
1540331621
I send all my clients to LoPriore Insurance, I have received nothing but positive feedback both on price and service ! Keep up the great work John,Maria and Co.
Peter Camplin
Peter Camplin
1539883859
I couldnt imagine doing my insurance anywhere else! Theyre the best!
I got into an accident a little over a month ago. My agent Danielle was very helpful. She was always able to answer my questions, if I couldn't reach anyone from safety she was able to contact them and have them get back to me right away. When I had to go to the office and do paperwork work all of the employees were very nice and helpful. I highly recommend this agency.
Kristy Marie
Kristy Marie
1538484673
I have met many people in the Insurance industry, over my career of transacting Real Estate, and as a Broker/Owner of a firm. None, have made themselves so invaluable that I call them first without question, except for Lopriore. They offer consistently great service and rates, and help my clients with timely advice.

I trust them with my most valuable assets -- my clients, and my reputation.

Thank you for helping my clients, and my business!

Sean Callahan - Broker/Owner Callahan Real Estate
Sean Callahan
Sean Callahan
1526074049
5 stars!! A family member of mine suggested that I call there insurance guy John at LoPriore Insurance to get a better quote on my current insurance. When I called John he was very easy to work with and extremely helpful. I couldn't be happier with how easy and fast it was to get a quote of my current policy which included a renters policy and it was all offered for $1200 less per year. After years of being insured by another insurance agency I always thought all prices were the same buying from insurance agencies.
To my surprise this wasn't the case and I can't be happier I was referred to the insurance guy!! I Also want to thank Maria at insurance office that made it simple to transfer and sign up with my new insurance. I literally did this all thru my iPhone and signed my paperwork via my phone which made the change so simple. I highly recommend you contacting them and seeing what they offer you!
Angela Bognanno
Angela Bognanno
1520269176
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