Boat Insurance

Boat Insurance Quotes from Your Local Insurance Agency

Requesting a quote for boat insurance is as simple as filling out our form here. If you would prefer to call someone to start the quoting process, you can find a list of our office phone numbers here. With offices in Maine, New Hampshire, Vermont, Massachusetts, Rhode Island, Connecticut, New York, and Florida, your local office may be closer than you think.

How Much Does Boat Insurance Cost?

There are several factors that can determine the cost of boat insurance. The year, make, and model of your watercraft will likely be a factor in how much your coverage could cost. Also, if you have a history of claims, you could pay more for protection. The geographic area and bodies of water (e.g., a local lake versus the ocean) in which you use your boat may also factor into the cost of the premium. To get an accurate picture of what you could pay, reach out to one of our offices today to request a quote.

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 team can help find options for you.

What Does Boat Insurance Cover?

Policies vary, but typically boat insurance covers a number of situations and incidents, including:

  • Collision
  • Boat Accessories
  • Fire
  • Theft

To see what your boat insurance policy covers, you should carefully review it with your local insurance agent.


Types of Watercraft

Enjoy your time on the water knowing your watercraft is protected. 


Fishing Boats


Pontoon Boats

Such as Jet Skis and WaveRunners

Should I Insure My Boat During the Winter?

If you live in an area where boating season is brief, you may be tempted to drop your coverage during the off season. Deciding to leave your boat covered throughout the year is up to you, but removing coverage can leave your boat exposed to risks while it is in storage. If you do decide to leave your policy active, it can cover things such as theft. Depending on what carrier your insurance policy is through, they may allow you to adjust certain coverages throughout the year.

Do I Need to Insure 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.

Request A Quote for Your Boat Today

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