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

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.

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

Car driving

Buying a Car? Don’t Forget the Insurance Quote First!

Shopping for a new car can be exciting, but it’s crucial to check in with your agent before finalizing your purchase. Not all vehicles are created equal when it comes to insurance costs. Two cars might look similar on the outside, but one could cost you hundreds more per year to insure.
Shovel

Digging on Your Property? Here’s Why “Dig Safe” Should Be Your First Step

Under federal and state law, all homeowners and contractors are required to notify the appropriate utility companies before doing any excavation work. Keep reading to learn more about the standards for digging on your property.
What You Need to Know About Condominium Insurance in Groton MA

What You Need to Know About Condominium Insurance in Acton, MA

If you own a condo in Acton, MA, don’t assume the condo association’s master policy fully protects you. That policy typically covers the building’s exterior and shared spaces, but not the inside of your unit. Without your own Condominium Insurance, you could be on the hook for costly repairs to your walls, floors, or fixtures and replace personal belongings damaged by fire, water, or theft. It’s essential protection that helps ensure you’re not left paying out of pocket when the unexpected happens.
Sparkler 1200

Summer Fun and 4th of July Safety: Celebrating Smart

Summer is a time for BBQs, fireworks, family gatherings, and making the most of long days. Whether you’re heading to the beach, firing up the grill, or watching fireworks with the kids, safety should always be part of your celebration plans. After all, the best memories are the ones made without unexpected trips to the ER. Here’s a quick guide to help you enjoy your Independence Day and summer activities — while keeping everyone safe and sound.
Lightning

Lightning Storm Safety

Lightning storms light up the sky in dramatic fashion, but they’re also dangerous. A lightning strike can cause major injuries like burns, heart issues, or even brain damage. That’s why it’s important to know how to stay safe when one rolls into your area. Follow these helpful tips to help you stay safe.
Car in traffic

Risks of Lowering Auto Coverage

Many drivers look to reduce their auto insurance premiums by lowering coverage or dropping parts of their policy altogether. While it’s true that cutting back can save a few dollars in the short term, the long-term consequences of being underinsured can be financially devastating—especially in the aftermath of a serious accident. Learn about ways you can save without exposing yourself to major financial risk.
Students

The Good Student Discount

Teens and young adults often face hefty auto insurance premiums because, statistically, new drivers are more likely to get into car accidents. However, most carriers offer a way to help offset some of this financial burden—a good student discount. Learn more about how to qualify.
Senior driver

Driving Safely As You Grow Older

As you get older and wiser, you might come to the realization that you just can’t do some things quite like you used to. When it comes to driving, it's important to stay safe and feel confident behind the wheel. Learn about smart driving tips for seniors and precautions to ensure your safety and that of those around you on the road.
MHM 1

Introducing the Murphy Insurance Homeowner’s Manual: Your Guide to Preventing Costly Home Repairs & Damages

Murphy Insurance Agency has launched a new Homeowner’s Manual designed to help you prevent costly home repairs and avoid common insurance claims. Backed by decades of real-world experience, this practical guide offers seasonal tips, safety advice, and a maintenance checklist to protect your home—and your wallet—all year long. Download your copy today!

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.