Boat & Watercraft Insurance in New Jersey for Safer Days on the Water

Start Your Quote

From Barnegat Bay to the Jersey Coast - Make Sure You’re Protected on Every Trip

Whether you’re cruising the Barnegat Bay, fishing off the Jersey coast, or jet-skiing on a summer weekend, the right boat insurance keeps your time on the water stress-free. While New Jersey doesn’t require coverage for every vessel, many marinas, lenders, and storage facilities do—and without a dedicated policy, losses may not be covered by standard homeowners insurance. With coastal weather, crowded waterways, and high repair costs, proper protection is essential. Pairing boat coverage with umbrella insurance can also add valuable extra liability protection if an accident leads to serious injuries or property damage. With over 100 years serving NJ families, we guide you through every option so you can enjoy the season safely.

Family laughing together while looking at a laptop on a living room couch.

Trusted by New Jersey Boaters and Coastal Homeowners

Five black stars.

Very helpful, friendly, experienced and efficient staff who can help you get multiple kinds of insurance from auto to business. They know the local market and it was a pleasure to work with Dawn.


- Rita L.

Five black stars in a row.

Excellent Experience! Attentive Honest and very helpful


- Debra R.

What We Help With

Liability Protection
If you injure a swimmer, damage another boat, or cause a collision, liability coverage helps pay for repairs, medical bills, and legal costs. This is especially important in busy NJ waterways and marinas.


Physical Damage Coverage
Protects your boat against theft, collisions, storms, and coastal hazards—particularly important for vessels stored near the water during hurricane and nor’easter seasons. Covers hull, motor, and attached equipment.


Uninsured / Underinsured Boater
If another boater hits you and doesn’t have enough insurance, this coverage helps pay for injuries or damage to your boat. On crowded NJ bays and inlets, this is a must-have safety net.


Towing & Emergency Assistance
If your boat breaks down offshore or loses power, emergency towing helps you get back safely. This is especially valuable for jet skis and smaller vessels.



Coverage for All Watercraft Types
From jet skis and personal watercraft to fishing boats, sailboats, and yachts—we help insure a wide range of vessels of all sizes and uses.

Family walking barefoot on grass toward viewer, tent and house in background.

How We Make Boat Insurance Simple

New Jersey’s boating season comes with a mix of excitement and risk. We simplify everything so you can focus on enjoying your time on the water.

01

Tell Us About Your Vessel

We look at your boat type, age, horsepower, and storage location.

02

Review Your Marina or Lender Requirements

Some facilities require specific limits—our team helps you stay compliant.

03

Compare Multiple Carrier Options

We shop top-rated marine insurers for strong coverage at a fair price

04

Adjust for NJ’s Seasonal Boating Needs

Off-season layup credits and winter storage adjustments help reduce your premium.

Your Boat & Watercraft Insurance Questions, Answered Clearly

  • Do I need boat insurance in New Jersey?

    Not legally for most private boats—but marinas, lenders, and storage yards often require it. Even without a requirement, it protects against high-cost accidents and storm damage.

  • Does my homeowners insurance cover my boat?

    Only in a very limited way. Homeowners insurance might cover a small boat while on your property, but not while on the water—nor will it cover large vessels or most marine risks.

  • How much does boat or jet ski insurance cost in NJ?

    Rates depend on vessel type, horsepower, storage location, safety features, and boating experience. Completing a boater safety course or having proper equipment can lower your premiums.

  • What happens if I'm hit by an uninsured boater?

    Uninsured/underinsured boater coverage helps pay for injuries or damages when the at-fault boater has little or no insurance.

  • Can I insure my boat year-round?

    Yes—most policies are annual, but we can adjust coverage during off-season layup months to save money while your boat is stored.

Set Sail With Confidence

A single boating accident or storm can lead to costly repairs and liability issues. We help New Jersey boaters get the right protection—affordable, straightforward, and tailored to how and where you use your vessel.