Boats, RVs, and Toys Insurance

Adventure with confidence. Whether you're on the water, road, or trails, our specialized insurance protects your boats, RVs, ATVs, and other recreational vehicles from accidents, theft, and damage.

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Protection for your next adventure.

Coverage that moves with you.

Your recreational vehicles are more than just a hobby—they’re an investment in adventure. Whether you own a boat, RV, ATV, jet ski, or snowmobile, the right insurance ensures you’re protected from accidents, damage, liability claims, and theft.

At Stephen Benjamin Insurance Agency, we help you find affordable, customized coverage that fits how and where you use your vehicles. Enjoy peace of mind knowing your next trip is fully covered, no matter where the journey takes you.

Comprehensive coverage for land, water, and off-road fun.

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Boat & Watercraft Insurance

Protects against damage, theft, liability, and accidents on the water for boats, jet skis, and personal watercraft.

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RV & Camper Insurance

Covers motorhomes, fifth wheels, and campers for collision, liability, and personal belongings while on the road.

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ATV & Snowmobile Insurance 

Safeguards off-road vehicles from accidents, damage, and liability on trails and private land.

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Golf Carts and Low Speed Vehicles

Stay covered on and off the course with golf cart insurance. Our policies protect against theft, accidents, and liability, whether you’re driving in your community or on private property. Enjoy peace of mind while cruising with the right coverage.

Know your coverage before you hit the road or water.

Recreational vehicles need the right protection. Here’s what you should know about insuring your boats, RVs, and toys.

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  • Is boat insurance required in Massachusetts?

    Massachusetts does not legally require boat insurance, but marinas and lenders may. Even if it's not required, having coverage protects against accidents, theft, and storm damage, which can result in costly repairs or liability claims. A solid policy keeps you financially protected while enjoying the water.

  • What does RV insurance cover?

    RV insurance covers collision, liability, and personal belongings, much like auto insurance but tailored for recreational vehicles. Depending on your needs, policies can also include roadside assistance, total loss replacement, and full-time RV coverage for those who live in their RV full-time.

  • Do I need separate insurance for my ATV or snowmobile?

    Yes! Home or auto insurance does not fully cover ATVs, snowmobiles, or other off-road vehicles. A separate ATV or snowmobile policy covers liability, collision damage, theft, and accidents—whether you're riding trails, private land, or public parks.

  • Does boat insurance cover my trailer?

    Boat insurance does not automatically cover your trailer. However, you can add trailer coverage to your policy or insure it under auto or RV insurance. This protects your boat trailer from damage, theft, and accidents while transporting your watercraft.

  • How much does recreational vehicle insurance cost?

    Premiums vary based on vehicle type, value, usage, and coverage limits. On average, boat insurance costs $300–$500 per year, RV insurance starts around $500 annually, and ATV/snowmobile policies can be as low as $100 per year. We’ll help you find affordable, customized coverage that fits your needs.