Recreational Vehicle Insurance in Massachusetts
Protect your weekends. Expert coverage for your motorcycles, boats, RVs, and off-road vehicles.
From summer weekends on the Cape and boating on local lakes, to fall motorcycle rides through the Berkshires, New Englanders know how to make the most of the seasons. But your standard personal auto or homeowners policy usually doesn’t provide the specialized protection your "toys" need.
At Surprenant Insurance, we make sure your recreational vehicles are fully protected against accidents, theft, and liability—both on the road and off the grid.
Our Featured Specialty Partner: Progressive
(Insert Progressive Logo here)
When it comes to recreational vehicles, we proudly partner with Progressive Insurance. As the #1 motorcycle insurer and a leading provider of boat and RV coverage in the country, Progressive offers specialized policies built specifically for how you use your vehicles. By placing your toys with Progressive, we can unlock massive bundling discounts and unique coverages you won't find anywhere else.
Motorcycle & Dirt Bike Insurance
Whether you ride a cruiser, a sportbike, a touring model, or a dirt bike, Massachusetts requires specific minimum liability limits. But state minimums won't replace your bike if it's totaled.
What it covers: Bodily injury/property damage liability, comprehensive & collision, and uninsured motorist coverage.
The Progressive Advantage: Progressive offers built-in coverage for custom parts and accessories (up to $3,000 included on standard policies!), OEM parts replacement, and options for 24/7 roadside assistance with trip interruption.
Boat & Personal Watercraft (PWC) Insurance
Don't rely on a tiny endorsement on your homeowners policy to protect your boat. We insure everything from pontoon boats and center consoles to fishing boats and Jet Skis.
What it covers: Watercraft liability (fuel spills, wreckage removal), physical damage to the hull and motor, and coverage for unattached equipment (fishing gear, skis, life jackets).
The Progressive Advantage: Ask us about Progressive’s "Sign & Glide®" on-water towing service, and total loss replacement options to ensure you can get a brand-new boat if yours is destroyed in its first few years.
RV, Motorhome & Travel Trailer Insurance
A motorhome isn't just a big car, and it isn't just a house—it's both. A specialized RV policy protects you whether you are driving down the highway or parked at a New England campsite.
What it covers: Collision and comprehensive damage, custom interior equipment, and attached accessories like awnings and satellite dishes.
The Progressive Advantage: We can add Vacation Liability (which protects you if someone is injured in or around your parked RV) and Pest Damage coverage, which is vital when storing your RV for a Massachusetts winter!
ATV, UTV & Snowmobile Insurance
Off-road vehicles are meant for rugged terrain, which means accidents, rollovers, and property damage are common.
What it covers: Liability for property damage or injuries you cause to others on the trails, and physical damage to your four-wheeler, side-by-side, or snowmobile.
Why you need it: Many state parks and public trail systems in New England legally require you to show proof of liability insurance before you are allowed to ride.
Bundle Your Toys and Save!
Because we partner with Progressive, we can easily bundle your motorcycle, boat, or RV policy with your primary Personal Auto policy. Progressive offers generous multi-policy discounts, meaning protecting your weekend toys could end up saving you money on your daily commute!
Ready to get out there? Let’s get you covered.
Give us the specs of your vehicle, and our local Massachusetts agents will find you the best rate so you can get back to having fun.