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Boat & Watercraft Insurance

Make your time on the water relaxed and worry-free with the right coverage from Bettinson Insurance Agency located in Arlington Massachusetts.

We will find you a boat insurance policy that protects you, your friends and family, your watercraft, and your boating equipment.

The average boat costs less than a dollar a day to insure.

Common Types of Coverage
 
  • Agreed Value Coverage: Boats depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. Agreed value means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

  • Liability: Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

  • Medical Payments: Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • Physical Damage Coverage: Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

  • Uninsured/Underinsured Watercraft Bodily Injury: Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • Fuel Spill Liability and Wreckage Removal: Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

  • Emergency Assistance: The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

 

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Frequently Asked Questions

Why is recreational insurance important?

Recreational insurance can help protect you from unexpected costs involving motorhomes, campers, boats, ATVs, Jet Skis, and snowmobiles. It may cover damage, theft, accidents, and liability claims. Coverage options can vary for owners in Lexington, MA.

What types of recreational vehicles can be insured?

Many recreational vehicles can be insured, including motorhomes, travel trailers, campers, boats, ATVs, Jet Skis, and snowmobiles. Each type of vehicle may require different coverage based on how it is used and stored in MA.

Does recreational insurance include liability coverage?
Most recreational insurance policies offer liability coverage. This can help pay for injuries or property damage if you are responsible for an accident. Liability limits and requirements may vary in MA.
Can recreational insurance cover damage to my vehicle?
Collision and comprehensive coverage may help pay for damage to your recreational vehicle. Collision coverage generally applies to accidents, while comprehensive coverage may help with theft, fire, storms, or vandalism. An agent in Lexington can explain the available options.
Do I need insurance for a travel trailer?
Travel trailers are not driven on their own, but they can still be damaged, stolen, or involved in an accident. A separate travel trailer policy may provide more protection than the limited coverage offered by an auto or homeowners policy in MA.
Is insurance available for older boats or campers?
Insurance may be available for older boats, campers, and other recreational vehicles. The age, value, condition, and use of the vehicle can affect the coverage options available in MA.
Does recreational insurance cover theft?

Comprehensive coverage may help pay if a boat, ATV, Jet Ski, camper, snowmobile, or motorhome is stolen. Coverage is generally subject to a deductible and policy limits. Owners in Lexington, MA should also take steps to secure vehicles while they are stored.

Can I choose my recreational insurance deductible?
Many recreational insurance policies allow you to select from different deductible amounts. A higher deductible may lower your premium, but it also means paying more out of pocket after a covered claim. Available choices can vary by carrier in MA.
Does recreational insurance cover towing?
Some recreational policies offer towing, roadside assistance, or emergency service coverage. This may help if your motorhome, camper, boat trailer, ATV, or snowmobile becomes disabled near MA. The services included depend on the policy.
How is the cost of recreational insurance determined?
The cost of recreational insurance may depend on the type and value of the vehicle, where it is stored, how often it is used, and the coverage selected. Driving history and claims history may also affect rates in Lexington, MA.

OUR HISTORY

We are a professional insurance resource. We have been serving the needs of the Greater Boston area since 1952 with honesty and integrity and will continue to do so for many years to come. The agency is accessible via MBTA bus lines #77,78 and 79 from Boston, Cambridge, Harvard Square, MIT and the Red Line. We invite you to come in for a person to person visit at our desk.
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CONTACT US

394 Lowell St #5 Lexington MA 02420
  Phone: 781.648.0128
  Fax: 781.648.0638
 Service@BettinsonInsurance.com

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Insurance Services of New England, LLC

The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.