Boat Insurance

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Boat Insurance for Massachusetts Residents

We want you to enjoy the waters in and around Southeastern Massachusetts; from the south shore to Boston Harbor to Cape Cod, it is truly a boaters’ paradise.

Whether you’re more likely to be spotted on a powerboat, sailboat, or caught fishing in fresh waters on a motorboat, Morse Insurance is here to make sure you have the proper boat insurance for your boating lifestyle. It is our responsibility to remind you how easily a beautiful day out on the water can turn into your worst one.

With private boat accidents causing millions of dollars in property damage annually, having the appropriate property and liability coverage is essential. Whether your boat collides with another one, is ravaged by a hurricane, gets destroyed by fire, or is the victim of a theft, a boat insurance policy will help you replace your valuable possession and any special equipment you kept on it, such as fishing gear.

Get a Quote

The boat insurance experts will review your coverage with you, however a typical policy generally includes:

The Hull
Machinery
Fittings
Furnishings
Permanently attached equipment at an agreed value
Broader liability protection than your homeowners policy

Boat insurance may also cover:

Bodily injury – for injuries caused to another person
Property damage – for damage caused to someone else’s property
Guest passenger liability – for any legal expenses incurred by someone using the boat with the owner’s permission
Medical payments – for injuries to the boat owner and other passengers
Theft – including your entire boat being stolen

There are a variety of factors that will determine your coverage and your premium, including type and value of your boat or watercraft, the horsepower of the engines, the location where it is kept, and the places you like to travel with it. That’s why you want to work with an insurance agent, like Morse, Of Course, that is going to go above and beyond to find you the best boat insurance policy to keep you, your passengers and your investment safe and secure. And if you have an existing boat insurance policy, let our experts take a close look at it to make sure you are getting all the savings you deserve.

Start saving with Morse Insurance today! We’ll uncover any discounts that you may be eligible for, including:

Diesel powered crafts
Coast Guard approved fire extinguishers
Ship-to-shore radios
Two years of claims-free experience
Multi-policies with the same insurer, such as a car, home or umbrella policy
Safety education courses, such as those offered by the Coast Guard Auxiliary, U.S. Power Squadrons, or the American Red Cross

Call us today at 508-238-0056 for a free boat insurance policy quote and a future of happy boating!

Our Boat Insurance Carriers

Do You Know How to Handle a Boating Accident?

The majority of car drivers know the key steps to take when they get in an accident, and generally manage to pull off the road, call the authorities, and contact their insurer. But, would you be as clearheaded and knowledgeable in the event of a boating accident? At Morse Insurance, we believe that being your marine insurance partner means helping you know how to handle a boating accident should it occur. Massachusetts law requires you to take several specific steps in case of an accident that include stopping immediately, assisting the injured, and reporting the incident details in a Boating Accident Report with the Massachusetts Environmental Police. Please contact us for more information or read more about the legal requirements of boating.

Hear What Our Clients Have To Say

"The team at Morse Insurance handles all my personal and business insurance needs. I expect and receive professional insurance recommendations tailored to my particular needs and circumstances. I could not ask for a more attentive, conscientious and friendly group of people."

Steve, Morse Insurance Client

"Morse Insurance truly maximizes my insurance dollar while giving me appropriate, well thought out insurance strategies. Their continued dedication and commitment to providing the balanced combination of value and peace of mind is why I keep working with them."

Sonja, Morse Insurance Client

"Morse has handled the Professional Liability, Business General Liability, Auto, and Workers’ Comp for our company for over 10 years. Their attention to detail is what sets them apart. I've been with some agencies and you call in only to get an agent who you don't know and who doesn't know you. It's not really a personal relationship. With Morse, I call up Donna and say, 'This is Bill' and she answers my questions. They're small, but they're large at the same time. You can really trust that they'll get things done."

Bill, Morse Insurance Client

"I've been with Morse for 12 years with my Business Fleet Auto and Workers’ Comp, along with my personal Auto, Homeowner's and Multi-Family Property Insurance. Unlike national insurance companies, the Morse team works and lives in the area so they understand what coverage is suitable for this region and my needs. I love that they are locally owned and managed."

Sonja, Morse Insurance Client

"Morse handles all of our Commercial Insurance: Liability, Workers comp, Property and Casualty, and Auto. I completely trust that they have our best interest in mind when they make recommendations about what we need and don't need. Plus, they have top notch customer service, are local and accessible, so when I need something they can turn a requests around quickly. We couldn't be happier with them."

Patti, Morse Insurance Client

"Working with Morse Insurance is like working with your family, we feel like we're a part of their family and they're a part of ours. The entire team is very human and funny with great personalities. It's clear that they love what they do and that they love their customers. They're great people, wonderful neighbors, and an awesome company and I just love doing business with them."

Patti, Morse Insurance Client

"Morse Insurance has been our agency for nearly 20 years. At first they provided our Homeowner's Insurance, then we added Auto Insurance. Later, when we started our business, it was General Liability and Errors and Omissions Insurance. The team at Morse is always there to guide us through these complex products. We feel they get us the best products at a fair price and know us on a personal basis."

Larry and Donna, Morse Insurance Clients