Insurance We Offer
Boat Insurance
Coverage for your boat, motor, and time on the water.
Whether you own a fishing boat, sailboat, or powerboat, the right policy protects your investment and your time on the water. Boat insurance can cover physical damage, liability, and more.
We'll help you find coverage suited to your vessel, where you boat, and how you use it.
What this coverage can include
- Physical damage to hull, motor, and equipment
- Liability coverage for injury and property damage
- Medical payments coverage
- Uninsured boater protection
- Coverage for trailers and personal effects
Coverages and availability vary by carrier, state, and policy. Contact us to review the specific options available to you.
Boat Insurance — Frequently Asked Questions
What does boat insurance cover?
- Boat insurance typically covers physical damage to your hull, motor, and equipment, liability for injuries or property damage you cause, medical payments, and protection against uninsured boaters. Coverage for trailers and personal effects can also be included.
Is boat insurance required?
- Massachusetts doesn't universally mandate boat insurance, but marinas and lenders often require it, and liability coverage is strongly recommended. We'll help you understand the requirements that apply to your vessel and where you keep it.
Does boat insurance cover the off-season?
- Many policies provide coverage year-round, including while your boat is in storage, though some offer lay-up periods that reduce premiums when the boat isn't in use. We'll match the policy to how and when you use your boat.