Is Boat Insurance Required?

Are you required to carry boat insurance the way that you're required to carry car insurance? Technically, no. It's not required by law to carry boat insurance in most states, but laws vary by state and locality. And while technically not legally required, boat insurance is often required to fulfill other commitments.

As with every insurance question, there's never a simple yes or no answer. If you have coverage questions, it's always best that you reach out to your insurance agent and if you don't have one consider finding a Foremost^® insurance agent near you.

When might boat insurance be required

• Lender requirements: If you've financed or leased a boat, your lender will likely require comprehensive and collision coverage to ensure that their investment in your property isn’t lost.
• Marina rules: Many marinas often require proof of liability insurance to cover potential damage to their docks or other boats.
• Participation in events: If you intend to use your boat in a boating event, it's likely that you will be required to provide proof of liability coverage.

What are my state's boat insurance laws?

Boat insurance laws vary state-by-state. For more information on your state's insurance laws, visit your state's marine law enforcement agency page below:

Why get boat insurance?

If you have coverage questions, it's always best to reach out to your insurance agent. And if you don't have an agent, consider finding a Foremost insurance agent near you or giving us a call at 888-244-8092.

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