Massachusetts Power Sports Insurance
Not every vehicle fits neatly into a standard auto or homeowners insurance policy. Power sports and specialty vehicles often fall into coverage gaps — especially when they’re used away from your home, stored off-site, or driven on public roads.
Power sports insurance helps protect recreational, specialty, and limited-use vehicles that need coverage beyond traditional policies.
What Is Power Sports Insurance?
Power sports insurance is designed for vehicles that are recreational, specialty, or limited-use and may not be fully covered under standard auto or homeowners insurance.
Depending on the vehicle and how it’s used, power sports insurance may help address:
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Physical damage to the vehicle
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Liability for injuries or property damage
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Medical expenses related to a covered accident
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Theft, vandalism, or fire
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Coverage gaps when vehicles are stored or transported away from home
Coverage varies by vehicle type, usage, and insurer.
Vehicles Commonly Covered by Power Sports Insurance
Power sports and specialty vehicle insurance may be available for a wide range of vehicles, including:
- Motorcycles and specialty bikes
- E-bikes (depending on class, speed, and usage)
- Dirt bikes and off-road vehicles
- Snowmobiles
- Personal watercraft, including Jet Skis and WaveRunners
- Mopeds and scooters
- Golf carts
- Low-speed or neighborhood electric vehicles
- Tractors and certain utility vehicles
Some of these vehicles qualify for dedicated policies, while others may be insured through specialty or recreational programs based on how and where they are used.
E-Bikes and Coverage Gaps
E-bikes are one of the most commonly misunderstood vehicles when it comes to insurance. Coverage can vary widely based on:
- E-bike class and top speed
- Whether it’s used on public roads or private property
- Homeowners and auto policy exclusions
Many homeowners policies offer limited or no coverage for e-bikes, especially if they’re involved in an accident away from your property.
👉 Learn more: E-Bike Insurance Coverage Gaps: What Homeowners and Auto Insurance Often Don’t Cover
Why Homeowners or Auto Insurance May Not Be Enough
It’s common to assume specialty vehicles are covered under an existing policy. In reality, coverage is often limited when vehicles are:
- Used off the insured property
- Driven on public roads
- Transported on trailers
- Stored away from home
- Capable of higher speeds
A dedicated power sports or specialty vehicle policy can help close these gaps.
What Power Sports Insurance May Include
Coverage options vary, but a power sports policy may include:
- Liability coverage – Helps protect against claims for injury or property damage.
- Collision coverage – Helps cover damage to your vehicle after an accident.
- Comprehensive coverage – May help cover theft, fire, vandalism, or certain non-collision losses.
- Medical payments or injury-related coverage – May help cover medical expenses following a covered accident.
Not every vehicle requires the same coverage, which is why reviewing options matters.
Power Sports Insurance with Risman Insurance Agencies
Risman Insurance Agencies helps Massachusetts residents navigate insurance options for power sports and specialty vehicles — including those that don’t fit neatly into traditional policies.
As an independent agency, we work with multiple insurance carriers and can help determine whether a dedicated policy or specialty coverage is appropriate based on how your vehicle is owned and used.
Insurance coverage cannot be added, deleted, or changed until confirmed in writing from our office.
Ready to Review Your Coverage?
If you own a power sports or specialty vehicle and want to make sure it’s properly insured, our team is here to help.
