Do You Need Boat Insurance in Massachusetts?

Last Updated on October 16, 2022

Boat insurance is not required in Massachusetts, but it is strongly recommended. If you are financing your boat, your lender will require you to have insurance. Even if you are not financing, there are many good reasons to insure your boat.

Most people who own a boat don’t think about insurance until they have an accident. But in Massachusetts, boat insurance is required by law. If you’re caught without it, you could be fined up to $500.

So what does boat insurance cover? In general, it will pay for damages to your boat or someone else’s boat that you’re responsible for. It will also cover injuries that occur while on the water.

And if your boat is stolen, most policies will reimburse you for the value of the vessel. Of course, there are different levels of coverage available, so you’ll want to talk to your insurance agent to make sure you’re getting the right policy for your needs. But in general, having boat insurance is a good idea – especially in Massachusetts!

Do I need Boat Insurance?

How Much is Boat Insurance in Massachusetts?

Boat insurance in Massachusetts is relatively affordable, especially when compared to the cost of insuring a car or truck. The average annual premium for boat insurance in the Bay State is just $413, according to a recent study by BoatUS. That’s about one-third the national average of $1,228.

Of course, the cost of insuring your boat will vary depending on a number of factors, including the type and size of vessel you own, where you keep it docked, and your personal risk profile. But in general, Massachusetts boat owners can expect to pay less for their coverage than boaters in most other states. If you’re shopping for boat insurance in Massachusetts, be sure to compare quotes from multiple insurers to find the best rate.

And be sure to ask about discounts that may be available – such as those for insuring multiple boats or taking a boating safety course.

Is It a Legal Requirement to Have Boat Insurance?

Boat insurance is not a legal requirement in Australia, but it is strongly recommended. Without insurance, you are taking on a huge financial risk if your boat is involved in an accident or suffers any other type of damage. The cost of insuring your boat will depend on a number of factors, including the type and value of your boat, where you keep it moored, and how often you use it.

But even for a relatively small and inexpensive vessel, the peace of mind that comes with knowing you’re covered by insurance is well worth the cost.

Do You Have to Insure a Boat Trailer in Massachusetts?

Yes, you are required to insure a boat trailer in Massachusetts. The state minimum liability insurance for boats is $100,000 per person/$300,000 per accident/$50,000 property damage. You can purchase an insurance policy through a marine insurance agent or company.

What Do You Need on Your Boat in Massachusetts?

In Massachusetts, boaters are required to have a few different items on board in order to be compliant with the law. These items include: -A life jacket or personal flotation device (PFD) for each person on board

-A fire extinguisher -Visual distress signals (VDS) -A whistle or horn

Additionally, it is recommended that boaters have the following items: -First aid kit -Anchor and line

-Bailing bucket For more detailed information, please visit the Massachusetts Environmental Police website.

Boat Trailer Registration Ma

Boat Trailer Registration in Massachusetts If you own a boat trailer in Massachusetts, you must register it with the Registry of Motor Vehicles (RMV). When you register your boat trailer, you will be issued a registration certificate and license plate.

You will need to renew your registration every year. To register your boat trailer, you will need to fill out an Application for Certificate of Title and Registration (form RMV-1). You will also need to pay a fee of $50.00.

If your boat trailer weighs more than 3,000 pounds, you will also need to pay a $15.00 surcharge. When registering your boat trailer, you will be asked to provide the following information: -The make, model, and year of the trailer

-The name and address of the owner -The date of purchase – The purchase price

– A description of the trailer, including its length and width – The vehicle identification number (VIN) – The name and address of the lienholder, if applicable

After filling out the necessary paperwork and paying the fees, you will be issued a registration certificate and license plate for your boat trailer. You must display the license plate on the rear of the trailer.

Progressive Boat Insurance

Progressive boat insurance is an insurance policy that covers the costs of repairs or replacement for your boat in the event it is damaged or stolen. The policy also provides liability coverage in the event that someone is injured while on your boat. Progressive offers several different levels of coverage, so you can choose the amount of protection that best suits your needs.

Boat Insurance Massachusetts

Boat Insurance in Massachusetts Just like your car, your boat needs insurance. And if you’re going to be boating in Massachusetts waters, you’ll need to make sure your policy meets the state’s minimum requirements.

Here’s what you need to know about boat insurance in Massachusetts: • All boats must be insured. This includes canoes, kayaks, and other small craft.

• The minimum liability coverage required by law is $500,000 for death or bodily injury, and $100,000 for property damage. • You may be required to carry additional insurance if you have a loan on your boat. Check with your lender to see what they require.

• If you’re renting a boat, the owner’s insurance will usually cover you. But it’s a good idea to check with the owner beforehand to make sure.


Massachusetts is a state with many waterways, so it’s no surprise that boating is popular here. But what might come as a surprise is that boat insurance isn’t required by law in the Bay State. Whether you need insurance for your boat depends on several factors, including the type of vessel, where you keep it, and how you use it.

If you finance your boat, your lender will probably require you to have insurance. And if you belong to a yacht club or marina, they may also have insurance requirements. Other than that, it’s up to you whether to insure your boat.