BOAT INSURANCE IN WORCESTER, MA

Proudly Providing Boat Insurance to Residents in Worcester, MA & Many Other Cities and States Across the Nation

What is Boat Insurance?

Days spent on the water are a lot of fun, but they aren’t without some risk. Thousands of boating accidents occur each year, and some of them result in significant property damage, serious injuries, or deaths. Most boaters in Worcester, MA are aware of the potential risks that come with being on the water, and they know to take safety precautions every time they go out. Just as it’s important to keep safety in mind while boating, it’s also important to consider getting boat insurance for financial protection from unanticipated accidents.

Boat insurance policies (or watercraft policies) are similar to auto insurance policies, but they’re designed for boats rather than cars, trucks, and SUVs. They can help protect boaters from liability claims and insure boaters’ watercraft.

Who Should Consider Getting Watercraft Insurance?

Anyone in Worcester, MA who has any of the above-mentioned watercraft (or any other type of watercraft) may need or want watercraft insurance. Residents who lease or finance a boat may be required by the terms of their agreement to purchase coverage. Those who own their watercraft outright might not be required to get insurance, but they may still want it to ensure their boat is protected and that they have liability protection.

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What Kinds of Watercraft Do Boat Policies Cover?

Boat policies are sometimes referred to as “watercraft insurance policies” because there are policies for almost all kinds of boats and watercraft. Massachusetts residents use these policies to insure:

  • Powerboats (including everything from ski boats to cruisers)
  • Sailboats (ranging from small sailboats with a single sail to yachts)
  • Jet skis and other personal watercraft
  • Canoes, kayaks, rowboats, and skiffs

Even if boat owners who own smaller boats, such as canoes or small sailboats, have the financial resources to purchase a new boat if theirs is damaged or destroyed, it’s still often wise to get watercraft insurance. Accidents can happen on small boats as well as large ones, and most watercraft policies offer liability coverage for certain incidents that policyholders are held responsible for.

What Coverages Do Watercraft Insurance Policies Provide?

Some of the coverages that watercraft insurance policies offer are similar to those provided by auto insurance policies. Other coverages are more specific to boating and, therefore, not typically found in auto policies.

Some of the coverages that are similar to those found in auto policies include:

  • Medical Payments Coverage, which may cover injuries that passengers in a policyholder’s boat sustain
  • Bodily Injury Liability Coverage, which might cover injuries that people outside a policyholder’s boat sustain
  • Comprehensive and Collision Coverage, which may cover damage that a policyholder’s boat sustains
  • Property Damage Liability Coverage, which might cover damage that’s caused to other people’s property
boat insurance worcester

Coverages that are more specific to boating frequently include:

  • Coverage for a boat’s trailer
  • Coverage for ropes, anchors, life preservers, and other required equipment
  • Coverage for fishing poles, wakeboards, tubes, water skis, and similar gear
  • On-water towing coverage
  • Fuel spill coverage
  • Coverage for recovering a sunken watercraft

Does Homeowners Insurance Provide Coverage for Boats?

Some homeowners policies offer coverage for small boats, but the protection these policies afford for boats is usually minimal. Most homeowners policies that do provide coverage only cover boats up to a certain length, won’t cover boats that have engines, and have low coverage limits.

Many homeowners in Worcester, MA who own boats find that their homeowners policy’s coverage for watercraft is inadequate. They frequently end up purchasing a watercraft policy so they have the protection they want.

How Can Boaters Get Quotes for Boat Insurance?

Shopping for boat insurance is a lot like looking for auto insurance. The easiest way to get quotes for policies is to work with an independent insurance agent in the Worcester, MA area. An independent agent can help determine what coverages are appropriate, and they can request quotes from multiple insurers in just a few minutes.

Contact Us

The Feingold Companies

Worcester Office
446 Main Street, Suite 1403
Worcester, MA 01608
Phone: (508) 831-9500
Fax: (508) 797-4030

New Lakeside & Dudley Insurance
446 Main Street, Suite 1403,
Worcester, MA 01608
Phone: (508) 943-0090

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