Boat Insurance in New Hampshire

Is Boat Insurance Required in New Hampshire? 

Insuring your boat in New Hampshire is not currently required by the state. However, if you are looking to explore the over 800 lakes and ponds the Granite State has to offer, 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. Typically, boat insurance will cover your boat if it is in an accident, or damaged in a covered peril.  

Boat Insurance Quotes and Pricing for NH 

Compared to other states further south, boat insurance typically costs less in New Hampshire. There are other factors that will affect how much you will pay, 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 us here. From there, a local professional will reach out to gather more information about the boat you are trying to insure.

a boat cruises on a lake in New England

Your Local Insurance Agency in New Hampshire

If you are looking for a local insurance agency in New Hampshire, we currently have offices located in Laconia, Manchester, and Portsmouth. At Cross Insurance, we represent over 100 insurance carriers, from local companies to national names. This means more options for you to choose from when it comes to selecting a plan. You can find contact information for all of our offices here. In addition to boat insurance, we offer many types of coverages including homeowners, renters, ATV, and RV.

Should You Insure Your Boat While it is in Storage? 

In the off season, you may be tempted to not cover your boat. However, if you leave your policy active throughout the year, generally it can cover things such as theft and other hazards. Ultimately, deciding to leave your boat covered throughout the year is up to you. Some carriers will allow to adjust certain coverages throughout the year, which may make the most sense for you.

Will Boat Insurance Cover My 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.

How to Save on Boat Insurance 

One way to save on insurance for your boat is by bundling it with another policy. Many insurance carriers will offer discounts for having more than one policy through them. Some carriers will also offer discounts for a layup period. If you have not purchased a boat yet, consider comparing insurance quotes for different models before you decide what watercraft to purchase.

Comparing quotes from different insurance carriers, like the ones we work with, can be another way to save on boat insurance.


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.

Request A Quote for Your Boat in New Hampshire Today

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