Boat Insurance in New York State for Lake Days & Peace of Mind

Coverage That Floats When the Unexpected Hits
Group of people on a boat, smiling and posing near a body of water, forest in the background.

Why Boat Insurance Matters in New York

Whether you're cruising Lake Mahopac, fishing the Hudson, or trailering your boat for summer adventures, the right boat insurance keeps you protected on and off the water. We help boaters cover physical damage, liability, and towing-so you can focus on enjoying the ride without worrying about what-ifs.

Three Ways We Help
Woman and child fishing from a wooden dock, holding a fishing pole. They are overlooking a calm lake under a cloudy sky.

Watercraft Coverage That Makes Sense for Seasonal & Year-Round Use

1. Coverage for Your Boat & Equipment

We'll help you cover your hull, motor, trailer, electronics, and gear-whether it's a fishing boat, pontoon, sailboat, or something in between.

2. Liability Protection on the Water

If you accidentally injure someone or damage another vessel, liability insurance covers medical bills, repairs, and legal expenses. It's required in many marinas and recommended for all boat owners.

3. Protection During Storage & Transit

Your boat isn't always in the water. We'll make sure your coverage includes off-season storage, trailering, and potential damage while parked in your driveway.

Kayaks stacked on a trailer by a harbor at sunset. Two yellow kayaks and one red kayak are visible, and a green kayak is at the bottom.

What's Typically Covered

  • Hull, motor & attached equipment
  • Damage from collisions, fire, storms & theft
  • Liability for injury or property damage
  • Medical payments for you & passengers
  • Towing & on-water assistance
  • Fuel spill & wreckage removal (optional)
Aerial view of a coastal town with buildings along a beach, boats in the turquoise water, and hills in the background.

Common Add-Ons & Options

  • Trailer Coverage - Covers your boat trailer against damage or theft
  • Agreed Value Coverage - Pays a fixed amount rather than depreciated value
  • Fishing Equipment Protection - Great for serious anglers with valuable gear
  • Personal Effects Coverage - Covers clothing, phones & valuables onboard
  • Uninsured Boater Coverage - Helps if you're hit by someone with no insurance

Who Needs This Coverage?

If you own a watercraft-whether you keep it at a marina, on a lift, or in storage-you need boat insurance. Homeowners policies often don't cover boats or offer very limited protection.

Local Risks to Consider

  • Dockside collisions at Lake Mahopac marinas
  • Storm damage during spring & summer thunderstorms
  • Theft of boats or trailers from storage areas
  • Liability from wake damage or boating accidents
  • Sinkings caused by hidden underwater hazards
A small white and brown boat floats on shimmering water, possibly a river, with an overcast sky reflecting.

FAQs

  • Is boat insurance required in New York?

    It's not required by law, but many marinas and lenders require it. Even if they don't, it's essential for protecting your boat and avoiding liability claims.

  • Does my homeowners policy cover my boat?

    Not usually-only very small boats with low horsepower may be covered, and even then, it's limited. We recommend a dedicated boat policy.

  • Can I pause coverage in the off-season?

    Some policies offer lay-up periods or winter storage discounts. We'll help you build a policy that works for your boating schedule.

  • What kind of boats can be insured?

    We insure fishing boats, pontoons, sailboats, small cruisers, and more. Just ask-we'll find the right match for your vessel.

  • Does boat insurance cover towing or emergency help?

    Yes, many policies offer towing & assistance coverage if your boat breaks down on the water. It's a great add-on for peace of mind.

Ready to Hit the Water?

We'll help you find boat insurance that fits your vessel, your budget, and your weekend plans. Reach out today to get started.