A variety of recreational vehicles can be insured, including motorhomes, travel trailers, campers, boats, ATVs, Jet Skis, and snowmobiles. Each type may require different coverage depending on how it is used, where it is stored, and how often you take it out.

Most recreational insurance policies offer liability coverage, which may help with injuries or property damage you’re responsible for during a covered accident. The appropriate limits can depend on the vehicle, policy, and Massachusetts requirements.

Collision and comprehensive coverage may help pay for damage to your recreational vehicle. Collision generally applies to accidents, while comprehensive can cover certain losses such as theft, fire, vandalism, and storm damage. Titcomb Insurance can help you review the options for your particular vehicle.

Even though a travel trailer isn’t driven by itself, it can still be damaged, stolen, or involved in an accident while being towed. A dedicated travel trailer policy may provide broader protection than the coverage available through an auto or homeowners policy.

Older boats, campers, and other recreational vehicles may still be eligible for insurance. The vehicle’s age, value, condition, and intended use can all factor into the coverage options available. An agent can help you determine what may be appropriate for your vehicle.

Comprehensive coverage may help cover the theft of a boat, ATV, Jet Ski, camper, snowmobile, or motorhome. A deductible and policy limits generally apply. Properly securing recreational vehicles during storage is also an important part of reducing the risk of theft.

Many policies offer a choice of deductibles. Selecting a higher deductible can sometimes reduce your premium, but you’ll have a larger out-of-pocket expense if you file a covered claim. Available deductible options vary by carrier and policy.

Some policies offer towing, roadside assistance, or emergency service coverage. Depending on the policy, this may help if your motorhome, camper, boat trailer, ATV, or other recreational vehicle becomes disabled. Coverage details and service limits vary.

Several factors can influence the cost, including the type and value of the vehicle, where it’s stored, how often it’s used, and the coverage and deductibles you select. Your driving and claims history may also be considered when determining your rate.

It can be worth keeping coverage in place even when your recreational vehicle is stored during the colder months. Boats, campers, snowmobiles, and other recreational vehicles can still face risks such as theft, fire, vandalism, or storm damage while they’re not being used. Titcomb Insurance can help you review your coverage before and after the season.