Do you need insurance on my boat or personal watercraft?

For many people, the purchase of a boat or personal watercraft is one of the more expensive purchases they will make, after the purchase of a home or an automobile. Yet, insurance for the boat or watercraft is one of those products that most people never think about u​ntil there is a need to file a claim. In Maryland, there is no law, regulation or other rule that requires you to purchase insurance for your boat or personal watercraft. It is still a good idea to purchase an insurance policy to protect you and your investment. 

• A Consumer Guide to Insurance for Boats and Personal Watercraft
• List of Companies Offering Coverage for Boats in Maryland
• List of Companies Offering Coverage for Personal Watercraft in Maryland
• Boat Insurance FAQs

Resources from our Partners:

• ​Maryland Department of Natural Resources - Boating 
  
• NOA - National Ocean Service
• MDE​M - Hurricane Boater Safety
  

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