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Owning a boat in Massachusetts means you have access to some of the most beautiful waterways in New England—from the Berkshires to Cape Cod. But before you set sail, it’s important to understand what goes into protecting your investment. Boat ownership in MA isn’t just about sunny days and open water—it’s also about being prepared for the risks that come with it. Here’s what you need to know. If you have any questions, contact our office at 413.475.7283 or complete our online quote form today!
Mass Boat Insurance Isn’t One-Size-Fits-All
While Massachusetts doesn’t require boat insurance by law, if you’ve financed your boat or dock it at a marina, insurance is often required. Even if it’s not mandatory, having coverage can save you from costly out-of-pocket expenses in the event of an accident, theft, or damage.
Coverage can vary depending on the type of boat you own and how you use it. For example, a small fishing boat used a few weekends a year will have different insurance needs than a cabin cruiser or personal watercraft used every weekend in the summer.
Key Factors That Affect Boat Insurance in Massachusetts
1. Your Boat’s Value
The make, model, age, and condition of your boat play a major role in determining your premium. High-value boats or custom modifications can increase your coverage needs.
2. Where You Use Your Boat
Coastal boating in MA brings its own set of risks—like hurricanes and saltwater corrosion—that inland boaters might not face. Be sure your policy reflects where you keep and use your boat.
3. Boating Experience
Just like with auto insurance, experience matters. Insurance providers may offer better rates to seasoned boaters or those who have completed a certified safety course.
4. Lay-Up Periods
If your boat is only used seasonally, you might be eligible for a “lay-up” discount for the months it’s out of the water and stored. Be sure to let your insurance agent know when your boating season starts and ends.
5. Liability Coverage
Accidents on the water can happen in a flash. Liability coverage helps pay for damage or injury you cause to others. This can include medical bills, repair costs, or even legal fees.
6. Optional Coverages to Consider
• Agreed Value vs. Actual Cash Value: In a total loss, do you want reimbursement based on the boat’s current market value or the amount agreed upon when the policy started?
• On-Water Towing: Getting stuck at sea without towing coverage can be expensive.
• Personal Effects Coverage: Protects items like fishing gear, electronics, or water skis.
• Fuel Spill Liability: Accidental spills can lead to major fines—coverage helps with cleanup costs.
Stay Shipshape with the Right Protection
A boat is a big investment—and like any vehicle, it needs the right protection. At Encharter Insurance, we’ll help you find coverage that fits your boating lifestyle in Massachusetts. Whether you spend your weekends on the Connecticut River or vacation on the Cape, we can help you navigate your options.
Chat with an Encharter agent about your insurance today:
