Protect your lifestyle and sail with confidence, you've earned it.

A private boat is a wonderful luxury to have. You deserve to jet off into the distance and soak up New Jersey coastal living at its finest. But, before you head out, make sure you have proper boat insurance so that you can sail with confidence.


For any recreational vehicle, whether it’s a cruiser, a fishing boat or a yacht, it’s important to have boat insurance in case of:

  • Fire
  • Lightning
  • Hurricane damage (In 2012, more than 25,000 recreational boats in New Jersey were damaged or lost in Hurricane Sandy. Total damages were estimated at $242 million.)
  • Equipment failure and towing
  • Equipment repair or replacement
  • Vandalism
  • Theft


Between 2000 and 2015, NJ recorded roughly 1,800 boating accidents statewide. There were likely many more accidents that went unreported. Busy waterways can be just as dangerous as roadways. If there’s a single reason to buy boat insurance, it’s to protect yourself in case of a collision and/or medical emergency. You don’t want to risk being stuck paying any combination of medical bills, legal fees and property damage out of pocket because you neglected to get liability coverage.


Don’t be complacent with the boat coverage your homeowners insurance might provide. Homeowners policies offer limited protection for boats – usually only enough to cover light damage to a canoe or small sailboat, with no liability coverage. The standard for boat coverage is any inboard or I/O over 50 HP, outboard motor over 25 HP or sailboats over 26 feet, these generally won’t get covered by your homeowners policy.

There are many factors that insurance companies consider when setting rates, including:

  • Years of boating experience and training
  • Age
  • Driving record
  • Credit score
  • Choice of coverage
  • Navigation limits
  • Prior claims
  • Speed of vessel


Not all boat and yacht policies are the same. Even when they are, often times the claims handling can make all the difference in your settlement. Our dedicated boat specialists are licensed boater operators. Let us navigate the nuances of boat insurance for you, so you can boat freely, safely, and smartly. Get your vessel insured, contact us now using the form below!

Contact an expert at Anderson Insurance Agency to learn more about marine insurance and start finding the right policy for you.

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