Boat Insurance – Make Sure You’re Covered on the Water

May 18, 2020||inPersonal Insurance|boat insurance, boat safety, homeowners insurance, personal insurance, recreational vehicles

If you’re an avid boater, you understand that navigating waterways responsibly is not a priority for everyone. Among your fellow water enthusiasts, there are numerous unregistered boaters whose lack of official documentation often correlates with a disregard for safety regulations and proper boating etiquette. This increases the risk of accidents or conflicts on the water. Given this reality, it’s crucial that you secure comprehensive insurance coverage. This ensures not only the protection of your watercraft but also safeguards you, your family, and any friends on board.

Boat Insurance - Make Sure You’re Covered on the Water
Click here to submit an inquiry to Murphy Insurance or call us at 800 222 8711

Small Boats

Most homeowners, condo owners or renters policies provide very limited coverage for property damage and liability coverage for small boats such as canoes, small sailboats and small power boats. Depending on the size of your watercraft, you may need to add an endorsement to your homeowner policy or get a separate boat insurance policy.

Larger and Faster Boats

For larger boats, yachts and personal watercraft such as jet skis, you need a separate boat policy. A boat policy provides for loss or damage to the watercraft and attached equipment either on an Actual Cash Value or Agreed Amount Value. It also offers liability for bodily injury to another person, damage to someone else’s property and guest passenger liability coverage.

Talk to Your Agent

While there are insurers that specialize in writing boat policies, it’s wise to contact Murphy Insurance to discuss your homeowners insurance to coordinate your boat coverage and ensure consistent and comprehensive protection. You want to avoid coverage gaps between a boat policy and other coverage, especially if you have umbrella liability insurance.

Read Other Blog Posts

Auto Insurance in Hudson MA

Auto Insurance in Hudson, MA: What You Need to Know

If you live in Hudson, MA, or the surrounding areas, securing the right auto insurance is essential. Whether you’re a daily commuter, a weekend traveler, or a first-time driver, having the appropriate coverage ensures protection on the road and compliance with Massachusetts’ legal requirements.
Read more
Car close-up

What to Do After a Hit-and-Run

When you’re involved in a vehicle collision and the other driver takes off without exchanging insurance information, this is commonly referred to as a hit-and-run. Review the following guidance to understand what information to collect and who to contact following a hit-and-run incident.
Read more
Pest Prevention Keep Your Home Pest-Free with Proactive Measures

Pest Prevention | Keep Your Home Pest-Free with Proactive Measures

Pests can cause structural damage, contaminate food, and pose health risks, making proactive prevention essential since home insurance doesn’t cover pest-related damage. Key prevention tips include proper food storage, maintaining outdoor vegetation, regular home inspections, and keeping living spaces clean to minimize pest attraction. For persistent issues, professional pest control may be necessary, and Murphy Insurance is available to provide guidance on home protection and insurance coverage.
Read more
Stairs

How to Prevent Falls at Home

Falls are one of the most common and dangerous accidents that occur at home and on the job—especially on staircases. In order to determine whether there are fall hazards within your home, be sure to ask yourself these key questions.
Read more
Outdoor Maintenance: Protecting Your Home and Enhancing Your Curb Appeal

Outdoor Maintenance | Protecting Your Home and Enhancing Your Curb Appeal

Regular outdoor maintenance not only enhances your home's curb appeal but also prevents costly damage and potential insurance issues. Key tasks include cleaning gutters, inspecting the roof, maintaining landscaping, power washing exteriors, and ensuring outdoor structures like fences and decks are in good condition. Staying proactive with seasonal upkeep helps protect your home, reduce long-term repair costs, and maintain insurance coverage eligibility.
Read more
Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind

Hot Tub Safety 101 | Protect Your Home, Guests, and Peace of Mind

Hot tubs offer relaxation but come with safety and liability risks, including potential injuries, health concerns, and insurance coverage gaps. Key precautions include supervising children, maintaining proper water chemistry, setting safe temperature limits, and enforcing responsible usage to prevent accidents. Homeowners should review their insurance policies and consider additional coverage, such as a personal umbrella policy, to ensure financial protection while enjoying their hot tub safely.
Read more
Car keys

Avoiding Problems When Buying Used Vehicles

While buying a used vehicle will save you money in purchase price and help you avoid depreciation costs, it is important to do your research before you purchase one. To avoid buying a car with hidden problems, consider these purchase precautions.
Read more
Contractor

Avoiding Contractor Fraud

It’s important to stay informed when dealing with contractors to reduce the risk of contractor fraud. Use these tips to avoid contractor fraud concerns.
Read more
Car tire side-view

Common Auto Insurance Terms

Auto insurance can be confusing at times. Policies often contain a variety of terms that can be difficult to understand, especially for someone without a background in insurance. The following is a list of common auto insurance terms to keep in mind the next time you meet with your insurance broker.
Read more

Visit Our Boat Insurance Page

Boat Insurance

Water recreation is a growing recreational activity and accidents can happen. If you’re a boater, don’t assume that all watercraft users are as responsible and safety-conscious as you. You share the waterways with many unregistered boaters, making it even more important to have proper protection. Give yourself the peace of mind of knowing that your guests, your family and you are protected if an accident should occur. Contact Murphy Insurance today to get a boat insurance policy.