Boat/Watercraft Insurance

Owning a boat means taking responsibility and ensuring your investment remains protected. If you own a boat in Massachusetts or New Hampshire, we can offer you full coverage for your boat to ensure it always remains safe from theft, vandalism, and of course, accidents with other boat owners. We offer a range of options from liability to navigational area coverage here at Bettencourt Insurance Group.

Boat/Watercraft Insurance Requirements

Boat insurance is not required in Massachusetts. However, if you finance or lease your boat, your lender may require you to obtain insurance. Additionally, marinas may require proof of insurance as well.

Boat/Watercraft Insurance Coverage

Here are what boat insurance covers:

• Physical damage- This covers your boat against loss and damage that may result from fire, storms, collisions, theft, etc. The property you cover may vary but typically covers anchors, motors, etc.
• Liability coverage- This coverage only applies if your boat causes injury to another person or damages another person’s boat, structures, or docks.
• Uninsured/underinsured- This will pay for your injuries if another boater hits you with no insurance or little insurance.
• Medical payments- If you and your passengers are injured from a boating accident, this will cover medical expenses for you and your passengers.

Boat insurance add-ons include:

• Towing
• Boat trailers
• Special equipment
• Dock contract liability
• Personal property
• Mechanical breakdowns
• Boating accessories
• Ice and freezing coverage
• Fishing guide coverage

Depending on your policy, other parts of your boat may be covered such as:

• Hull
• Furnishings
• Machinery
• Permanently attached equipment
• Fittings

Quotes

To obtain a quote for boat insurance in Massachusetts or New Hampshire, give us a call here at Bettencourt Insurance Group. You can also visit our office in person. Our agents will work with you to find a customized plan to meet your needs.