Boat Insurance for Braintree, Massachusetts and Beyond

Competitive Rates for Boat Insurance in Massachusetts 

Whether you captain a sailboat, motorboat, cruiser, pontoon boat or yacht, our office in Braintree, Massachusetts can help  you find insurance for the risks involved in owning and operating your vessel. Policies vary, but typically boat insurance covers a number of situations and incidents, such as physical damage and loss caused by common risks such as sinking, fire, collision, capsizing, storms, and theft. Boat insurance can also help to pay for medical payments and provide liability protection against lawsuits  if your boat causes injury to another person or causes damage to another boat, a dock or other structure.

Is Boat Insurance Required in Massachusetts? 

Insuring your boat in Massachusetts is not currently required by the commonwealth. However, if you are looking to explore the waterways of Massachusetts, insuring your boat is a smart move. If you keep your boat at a marina or private dock, they may require you to have boat insurance.

How Much is Boat Insurance in Massachusetts?  

Many factors can influence how much you will pay for boat insurance in Massachusetts, including:

  • The type of coverage you choose
  • Your claims history
  • Year, make, and model of your boat
  • Your age

To see how much insuring your boat will cost, you can request a quote from our Braintree office here or give us a call.

Discounts for Massachusetts Boat Insurance 

If you are wondering about discounts for insurance for your boat, reach out to our Braintree office to learn more about these potential offers:

  • Multi-policy discount: Many insurance carriers will offer discounts for having more than one policy through them, such as bundling your home, boat or auto quotes together with the same insurance company.
  • Multi-boat discount:  You can potentially save on your boat insurance policy when you insure more than one boat.
  • Education discount: Some insurers have discounts for completing an approved water safety course.
  • Pay in full discount:  You typically will save money on your boat insurance policy by paying your 12-month premium in full. Check with your insurance carrier to see if they offer this option.
  • Loss free credit: With some carriers, you may receive a discount when your policy renews if you have stayed loss or claim free during the prior policy term.

Boat Insurance Comparison 

Researching and comparing boat insurance quotes from different insurance carriers can be a major time investment. At Cross Insurance, we work with over 100 different carriers, from national names to local companies. Whether you are looking to insure your pontoon boat, fishing boat, sailboat, or another type of watercraft, our Massachusetts offices can help find options for you.

How to Get a Boat Insurance Quote 

Looking to get a quote for your boat? Reach out to our office in Braintree or give us a call today. From there, one of our knowledgeable team members  will reach out to get more information about your boat.

What About Insurance for My Boat Trailer? 

When it comes to insurance coverage for your boat trailer, you can add it to your boat insurance policy, but it also may be covered by your auto policy if it is being towed by your vehicle. Additionally, in some circumstances your homeowners policy can cover your trailer, such as theft. Talk with your local insurance agent to see what coverages you may need for your boat trailer.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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