Chart Your Course With The Proper Boat Insurance
Your boat is one of your most prized possessions. It’s a source of unrivaled entertainment and a substantial investment. Protecting your treasure with custom boat insurance can give you peace of mind and reimburse you in the event of a loss. LoPriore provides recreational boating and watercraft insurance tailored to meet your needs at the most competitive prices available.
Massachusetts Boat Insurance Quote Options
In just a few minutes, you can compare quotes from several insurance companies.
Request Boat Insurance Quote
For a quote, simply complete the form below. We will contact you to discuss coverage options and discounts.
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WHAT IS IT?
Boat insurance policies are designed to help protect your boat from damages. They also offer you liability protection in the event of a financial loss related to your boat.
WHY DO I NEED IT?
Whatever kind of boat you have in Massachusetts, LoPriore Insurance can find coverage that provides property damage for your watercraft as well as liability protection should unforeseen accidents occur.
WHO IS IT FOR?
Owners of the following listed watercraft should purchase a boat insurance policy.
Bowrider, Cuddy cabin, Center consoles, Walk around, Ski boats, Pontoon boats, Jet boats, Personal watercraft, Sailboats, Bass boats, Fishing boats.
Property coverage: Boat insurance is built to protect you from the loss of a prized possession and specific risks. Property coverage will assist you in repairing your boat if damaged in an accident. It can also help replace your boat should it be stolen. One great thing is that this coverage can protect your boat, whether you are on the water or dry land.
Liability coverage: Should you be at fault in an accident and that accident damages either another boat, somebody’s personal property, or causes injury to someone who is not in your boat, liability coverage steps in. We can discuss details together so your insurance policy is built to optimally cover your exposure.
Medical payments: This is where coverage for medical expenses comes in for you and your passengers. This coverage will assist in covering costs for you and your passengers in the form of hospital bills, x-rays, medication, etc. You can enjoy yourself on the open water, knowing that your policy is built to protect you and yours.
Uninsured watercraft coverage: Should you suffer damage and it is determined that the party at fault does not have coverage, you can be covered under your insurance policy. Whether it is damage to your watercraft or injury to you or your passengers, uninsured watercraft coverage is here to protect you.
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Boat Insurance FAQs
The cost of your policy depends on a few details about your boat and personal experience.
• Boat length
• Boat Value
• Type of motor including horsepower and speed capabilities
• Operator boating experience
• Docking and storage locations
When you’re transporting your boat, the trailer attached to your vehicle isn’t covered in exactly the same way as your car. For instance, if your boat causes damage to another vehicle, your liability limits could cover the costs. However, if the trailer becomes detached from your vehicle and causes damage, your auto insurance would likely fail to cover the damage. Additionally, if another car causes damage to the boat, your auto insurance wouldn’t cover the damages.
Massachusetts state law doesn’t require you to have boat insurance to operate your boat. However, local laws might require you to have coverage. For example, most marinas and docking areas will require you to have liability insurance. Liability coverage is a sensible option to protect from possible liability claims while operating your boat in any situation.
While it might seem unnecessary to continue coverage while your boat is being stored, you still face potential risks for damage. Theft and fire risks are still high for boats during the winter months and you would be required to pay out-of-pocket for the loss if you don’t have active insurance coverage.
It’s highly unlikely that your boat’s value is lower than your insurance premiums. Besides, your financial risks don’t end at the cost of replacing your boat. Perhaps one of the most valuable parts of your boat insurance is liability, which will cover medical bills if someone is injured in an accident.
Contact Us To Find Out More About Boat Insurance in Massachusetts
Boat insurance is an important part of owning a watercraft. To learn more or to get a quick quote, get in touch today. Our expert agents are standing by 24/7 to assist you in your search for insurance that fits your lifestyle while staying within your budget.
Have any Question? Ask us anything, we’d love to answer!