Boat Insurance in Massachusetts

Atlantic Insurance Brokerage, Inc is providing insurance options for boat insurance to businesses in Massachusetts & beyond.

Start Your Quote
Boat Insurance Massachusetts

Get a Quote for Boat Insurance in Massachusetts


Boat Insurance Massachusetts

At Atlantic Insurance Brokerage, we understand that boating is more than a pastime—it’s a way of life for many Massachusetts residents. Whether you’re sailing around the Cape, fishing on the Merrimack River, or cruising the Quabbin Reservoir, having the right insurance can offer peace of mind when you’re on the water. Our team is here to help you navigate your options and find a policy that fits your needs.

What Is Boat Insurance?

Boat insurance is a type of coverage designed to help protect you, your watercraft, and others in the event of an accident, theft, or other unexpected incident. While the specifics can vary between policies and providers, a typical boat insurance policy may offer protection for things like damage to the vessel, liability coverage, medical payments, and more.

Coverage may also extend to different types of boats, including sailboats, fishing boats, personal watercraft, and yachts. It’s important to speak with a licensed insurance agent to discuss what types of coverage may be appropriate for your specific vessel and how you plan to use it.


Get a Quote

Send us a bit of your information and we’ll be in touch shortly!

“Dan was so knowledgeable and helpful with both my personal insurance and also our commercial policies. Can’t recommend more!! Always nice to be able to pick up the phone and deal with an agent directly.”

D. Wallace

Google Review

Is Boat Insurance Required In Massachusetts?

Massachusetts does not mandate boat insurance for most privately owned recreational boats. However, there are situations where coverage may be required. For example, if you’ve financed your boat, the lender might require that you carry insurance as part of your loan agreement. Marinas and harbors may also require liability insurance before allowing you to dock or store your boat.

Even if coverage isn’t required by law, many boat owners choose to carry insurance for the added protection and peace of mind it offers. Boating accidents can lead to costly repairs, legal claims, or injuries—and insurance may help cover some of those expenses.

Boat Insurance Massachusetts

What Types Of Boats Can Be Covered?

Most standard policies can be tailored to a variety of watercraft. Coverage may be available for:

  • Pontoon boats
  • Fishing boats
  • Sailboats
  • Cabin cruisers
  • Jet skis and other personal watercraft
  • Yachts

Whether you take short day trips or longer offshore adventures, we can help you find options suited to your boat’s size, value, and usage.

A Massachusetts boat insurance policy may include a variety of coverages, depending on the carrier and your specific needs. Common components could include:

  • Physical Damage – May help pay for repairs to your boat caused by things like collisions, fires, or vandalism.
  • Liability Coverage – Could help protect you if you’re found legally responsible for damage to someone else’s property or injuries to others.
  • Medical Payments – May assist with medical expenses for you or your passengers after an accident, regardless of fault.
  • Uninsured/Underinsured Boater – Could offer protection if you’re involved in an accident with someone who has little or no insurance.
  • Personal Property – May cover fishing gear, navigation equipment, and other personal items on the boat.
  • Towing and Assistance – Some policies include or offer optional coverage for emergency towing and roadside assistance.

Not all policies offer the same features, and optional endorsements may be available. We’re here to walk you through the options and help you understand what each one means for your boating lifestyle.

There are several factors that may influence the cost of your premium. These can include:

  • Boat Type and Value – Larger and more powerful boats may cost more to insure than smaller or less complex vessels.
  • Usage – Boats used for recreational purposes on inland waters may be rated differently than those used in coastal areas or for commercial activity.
  • Location – Where the boat is stored and operated in Massachusetts can impact risk factors.
  • Boating Experience – Insurers may consider your history as a boat operator, including any prior claims or accidents.
  • Safety Features – Having certain safety equipment or certifications (such as a boater safety course) may reduce your premium.

Since no two policies are exactly alike, our team can work with you to explore personalized options and potential discounts.

We’re a locally based, independent insurance agency with deep roots in the Massachusetts community. At Atlantic Insurance Brokerage, our goal is to make insurance approachable and understandable. We work with multiple carriers so we can shop on your behalf and present coverage options that fit your boating needs and your budget.

Our experienced agents are familiar with the unique challenges of boating in New England—from saltwater corrosion to seasonal storage—and we’re happy to share that knowledge with you. We believe in building long-term relationships, and that starts with honest, straightforward guidance.

Atlantic Insurance Brokerage, Inc

How Can I Get A Quote For Boat Insurance in Massachusetts?

Getting a boat insurance quote is simple. Reach out to our team and we’ll gather a few basic details about your boat, how you plan to use it, and any coverage preferences you may have. From there, we’ll compare options from our trusted carrier partners and walk you through the next steps.

Contact Atlantic Insurance Brokerage today to explore your boat insurance options in Massachusetts. Whether you’re launching off the North Shore or cruising Nantucket Sound, we’re here to help protect what matters most. We’re committed to providing a smooth, transparent experience from start to finish—no jargon, no pressure, just clear answers and helpful service.

Request a Quote!

Don’t navigate insurance alone! Contact our Massachusetts team to find the perfect coverage for your needs.

Request your quote below