New York Boat Insurance

Find the right boat insurance policy for you.


The state of New York is one of the more water-bound states in the Union. From the Atlantic Ocean in the east to the Finger Lakes in western New York and the many waterways that connect the Hudson River to Lake Ontario, there are many places for water lovers to take out canoes, kayaks, bass boats, fishing boats, sailboats, motorboats or other recreational watercraft for fun and enjoyment. With more than 400,000 registered watercraft in the state, there is a lot of traffic on the waterways and a lot of risk to the fun and enjoyment.

The risks you face on the water can be mitigated by taking some safety precautions and carrying the right insurance coverage. A member agent in the Trusted Choice® network can help you secure a New York boat insurance policy that will get you on the water with peace of mind. Find an agent in your area to get the coverage you need.


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Is New York Boat Insurance Required?

While there are many waterways and hundreds of thousands of registered watercraft in New York, the state does not require New York boat insurance. However, if you finance your boat, or if you slip your vessel at a marina, either the lending institution and/or the marina will likely require some insurance in order to protect their interests.

If you fit into either of these categories with your boat, it's a good idea to ensure that your boat insurance is sufficient to cover your assets in case of a loss. While you may not be required to have insurance, your financial situation may dictate a need for the insurance. This is where your Trusted Choice member agent can help assess your situation to determine whether you need coverage and to figure out how much you need in order to protect yourself.

What Is the Cost of New York Boat Insurance?

As boat insurance is not required by the state, it is difficult to come up with an average cost of New York boat insurance. There are many factors that go into determining a New York boat insurance quote. The factors include:

  • The size and age of the boat
  • The age of the operator(s) and whether they have had safety instruction
  • Where the boat will be used and how often
  • Whether the boat will be stored at home when not in use or slipped at a marina

You may get some liability coverage for your under your homeowners insurance or your vehicle insurance. It's a good idea to check with your agent to determine how much coverage you already have, and where you may have gaps that a New York boat insurance policy could fill. For example, your homeowners insurance may only cover your boat if it is stored in your garage, not out on the water. Similarly, your vehicle insurance may only cover your boat when you're towing it to the lake. Detailing as much of this information as possible will help your Trusted Choice member agent establish accurate New York boat insurance quotes for you.

Contact an independent agent in the Trusted Choice network in order to secure your assets. An independent agent can research dozens of companies to get you the New York boat insurance quotes that best fit your budget. Find an agent in your neighborhood to get out on the water with peace of mind.

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