Boat & Recreational Vehicle Insurance

As New England shakes off the chill of winter, boaters, jet ski enthusiasts, and campers are eager to hit the water and the road. Before you launch your boat or hitch up your camper, take a few minutes to review your insurance coverage and make sure you’re properly protected.

1. Get Your Recreational Vehicles Ready for the Season

• Perform a full inspection of your boat, jet ski, or camper, checking for winter damage.
• Ensure safety gear such as life jackets, fire extinguishers, and first aid kits are up to date.
• Schedule any necessary maintenance to avoid breakdowns or accidents.

2. Understand Your Liability Coverage

• Standard home or auto insurance may not fully cover boats or RVs, so check with your agent.
• Liability coverage protects you if someone is injured or property is damaged while you’re operating your boat or camper.
• If you store your RV or boat off-site, ask about coverage for theft, vandalism, and storm damage.

3. Know Massachusetts Boating Insurance Requirements

• Massachusetts does not legally require boat insurance, but marinas and lenders often do.
• If you operate a boat with over 10 horsepower, you may need a boater safety certificate.
• Uninsured boaters could face significant out-of-pocket costs if an accident occurs.

Spring is the perfect time to review your policy and ensure you have the right coverage. Have questions? Reach out to Atlantic Insurance Brokerage, we are happy to help!