---
title: Watercraft Insurance in Massachusetts | Berry Insurance
description: Berry Insurance offers MA watercraft insurance to protect your boats, jet skis, and other watercraft. Using a blend of consultation and personalization, we’ll customize the right Massachusetts watercraft policy for you at the right price.
image: https://www.berryinsurance.com/hubfs/Berry%20Image%20Templates%20(3).png
---

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 Coverage for watercraft

# Watercraft insurance that floats your boat

### Get the coverage you need at the price you should be paying to avoid claims that will rock your boat

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

![Berry Insurance Watercraft](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20Image%20Templates%20(3).png?width=1000&height=700&name=Berry%20Image%20Templates%20(3).png)

![Berry Insurance Watercraft](https://www.berryinsurance.com/hs-fs/hubfs/Berry%20Image%20Templates%20(3).png?width=1000&height=700&name=Berry%20Image%20Templates%20(3).png)

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## What is watercraft insurance?

Watercraft insurance is a type of insurance policy providing coverage for various boats and watercraft including fishing boats, dinghy boats, deck boats, catamaran, sail boats, houseboats, pontoons, yachts, jet skis, and more.

In some cases, a homeowners insurance policy covers your boat, but if your boat is of a certain size and value, your homeowner’s insurance is probably not covering it in full.

Without adequate watercraft coverage, you could be stuck with a large out-of-pocket cost for damages to your boat, or damages your boat causes.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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## Check out these watercraft insurance statistics

Boats are large investments capable of large damages. You need an insurance policy to protect you from the financial risks.

0

 Number of boating accidents in the U.S. annually

$0M

 Dollars of damages caused by boating accidents each year

0%

 Of your boat’s market value is the approximate annual cost of your insurance premium

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## What is (and is not) covered by watercraft insurance?

We know you’re excited to put your watercraft to use, but wait! Before you hit the water, you’ll want to know what exactly watercraft insurance covers, and where there are limits, exclusions, and optional coverages.

#### What is typically covered?

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Damage up to market value of boat

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Damage that occurs in waterways, rivers and lakes, and ocean waters within a certain number of miles from shore

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Towing

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Wreckage removal

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Fuel spill indemnification

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Injury liability

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

 Medical payments to others

#### What is not typically covered?

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Certain boats of a smaller size or value

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Boats in transit from home to water

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Boats out during a time your policy indicates it’s in storage

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Damage that occurs in certain geographic areas

![grey--xbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/grey--xbox.png?width=23&height=22&name=grey--xbox.png)

 Damage from negligence or lack of boat maintenance

![Berry-Insurance-Sailboat](https://www.berryinsurance.com/hs-fs/hubfs/Berry-Insurance-Sailboat.jpg?width=6000&height=4000&name=Berry-Insurance-Sailboat.jpg)

![white swoop bottom](https://www.berryinsurance.com/hubfs/white%20swoop%20bottom-1.svg)

![white swoop top](https://www.berryinsurance.com/hubfs/white%20swoop%20top.svg)

## Got watercraft insurance questions? We’ve got answers.

We know watercraft insurance can be confusing. You probably have loads of questions, so let’s get you started on the basics.

### Do I need watercraft insurance?

While watercraft insurance is not required for boats in Massachusetts, if you finance your watercraft, your lender will most likely require it. If you keep your boat in a marina, the marina may also require you to have it.

If you do not finance your boat, choosing whether or not to buy coverage is up to you, but we usually always recommend it because the protection is worth the cost.

Homeowners insurance may offer some protection to your watercraft, it likely does not cover the whole value.

If you have an expensive boat, or if you would not be able to pay out-of-pocket if it were to be damaged, you should have boat insurance.

If your boat is inexpensive or has depreciated significantly and you are comfortable paying to repair or replace it, you might not need a policy for physical damage, but probably should still get one for the liability coverage.

### What types of watercraft insurance are there?

There are several types of watercraft insurance available. Some of these types include:

Hull insurance: covers damage to your boat and property damage your boat costs

Third-party liability insurance: covers property damage your boat causes and damage caused from fuel spills, towing, medical expenses, and rescue operations.

All-risk insurance: covers ice damage, freezing, pollution liability, reef damage liability, mechanical breakdown.

Actual cash value insurance: covers the actual cash value of your boat or an agreed value predetermined when you buy your policy.

Yacht insurance: covers boats 27’ or larger.

### How much does watercraft insurance cost?

The cost of boat insurance can vary depending on type of boat, boat age, value, size, speed or horsepower, condition, location of operation, storing/docking location, operators of the watercraft, accidents/violations, coverage choices, and discount eligibility.

However, you can generally expect your annual premium to be about 1-2% of your boat’s market value.

### What if I need to file a claim?

If you’ve gotten in an accident or had damage to your boat, don’t panic. We can help you through it.

Once you’ve made sure you and your watercraft are moved to safety, there are a number of details you’ll want to gather for if/when you decide to file a claim, including details of the accident, the people/boats involved, photos of damage, and police report.

Once you’ve collected that information, report it to your insurance agent who can navigate the claims process for you by reporting it to your insurance company and getting an adjuster assigned to review your claim information and make a determination.

 

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## How watercraft insurance keeps you afloat

We know you already spent a ton on your boat and you don’t want to spend another dollar on watercraft insurance. But buying a policy ensures you can protect that boat and not be stuck with a huge out-of-pocket expense.

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Physical coverage for your boat

Boats are worth a lot of money. If it gets damaged, you only have to pay your deductible -- your policy takes care of the rest!

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Coverage for accidents

Unfortunately, accidents happen. You’ll want a policy that will cover you for any property damage or injuries your boat causes

![green--checkbox](https://www.berryinsurance.com/hs-fs/hubfs/assets/images/icons/green--checkbox.png?width=24&height=24&name=green--checkbox.png)

### Coverage for cleanup

Boat accidents can be messy. Watercraft insurance pays for towing, debris, and fuel cleanup.

![pattern](https://www.berryinsurance.com/hs-fs/hubfs/pattern.png?width=675&height=694&name=pattern.png)

## Simplifying watercraft insurance … one blog at a time

### Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

[![What does MA Watercraft Insurance Cost](https://www.berryinsurance.com/hs-fs/hubfs/What%20does%20MA%20Watercraft%20Insurance%20Cost.png?width=900&height=300&name=What%20does%20MA%20Watercraft%20Insurance%20Cost.png)

### What does MA Watercraft Insurance Cost?

The cost of Massachusetts boat and watercraft insurance varies based on several factors. We’ll go over what you can expect your premium to be in this article.

Find Out 

](https://www.berryinsurance.com/blog/ma-watercraft-insurance-cost?hsLang=en)

[![What is Watercraft Insurance (Everything you Need to Know)](https://www.berryinsurance.com/hs-fs/hubfs/What%20is%20Watercraft%20Insurance%20(Everything%20you%20Need%20to%20Know).png?width=900&height=300&name=What%20is%20Watercraft%20Insurance%20(Everything%20you%20Need%20to%20Know).png)

### What is Watercraft Insurance? (Everything you Need to Know)

Do you have a boat or watercraft? Is it properly insured? Check out this article about watercraft insurance to learn everything you need to know.

Discover More 

](https://www.berryinsurance.com/blog/watercraft-insurance?hsLang=en)

[![How to Winterize Your Boat for Lay-Up Period](https://www.berryinsurance.com/hs-fs/hubfs/How%20to%20Winterize%20Your%20Boat%20for%20Lay-Up%20Period.png?width=900&height=300&name=How%20to%20Winterize%20Your%20Boat%20for%20Lay-Up%20Period.png)

### How to Winterize Your Boat for Lay-Up Period

Prior to storing your boat away for the season and lay-up period, you will need to take many steps to winterize it to avoid damage and insurance claims.

Find Out 

](https://www.berryinsurance.com/blog/winterize-boat-layup?hsLang=en)

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### “The Berry team is always willing to promptly help us no matter what insurance issue we have. It is always a great experience when I reach them for help.”

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[Learn More About Personal Policies](https://www.berryinsurance.com/personal-insurance?hsLang=en) 

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 Get in touch

## Ensure smooth sailing with watercraft insurance

Don’t let uncovered claims sink your ship. Stay afloat with the right watercraft insurance policy. Simply fill out this form and a member of our personal insurance team will be in touch.

[Get a Quote](https://www.berryinsurance.com/insurance-quote-massachusetts?hsLang=en)

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