Boat Insurance

boatInsurance-imgBoat Insurance Coverage

When you take to the water, protect your family, guests and your investment with the very best in marine insurance. Lapointe Insurance is proud to be agency partners with Travelers insurance and other top-rated insurance companies offering specialized boat insurance coverage programs for family boat-owners in MA and RI.

Travelers boat program is one of the most flexible boat insurance programs available, designed to provide even greater, more cost-effective protection.

  • 12-month coverage with no mandatory lay-up period
  • Coverage up to 30 days may be available for most newly acquired boats’ purchase price
  • Marine claim experts available to assist you anytime

MA and RI Boat Insurance As Exceptional As Your Boat
Physical Damage coverage. Provides protection in the event of a collision with a submerged object or another boat.

Liability coverage. For bodily injury or damage to the property of others.

Personal Property coverage. Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items.

Towing and Assistance coverage. To transport your boat to a repair facility when it’s inoperable and you’re stranded. Gas delivery for boats and roadside assistance are also available.

Flexible Pricing Programs for Boat Insurance

You choose.  Agreed Value or Actual Cash Value coverage. Agreed Value entitles you to the “replacement value” on most partial losses involving your vessel, its furniture, fixtures and electronic equipment. Actual Cash Value earns you a substantial premium discount. In the event of a loss, settlement is based upon a depreciated value.

Education Discounts Up to 10 Percent. For safe boating courses, including Power Squadron and U.S. Coast Guard – 5 percent per boat for basic courses, 10 percent per boat for advanced.

Equipment credits.  Available for safety equipment such as built-in fire extinguisher systems and burglar alarms.

Flexible payment options. You can pay your bill by: check, electronic funds transfer (EFT), phone or online. It’s your choice. Visit to learn more.

Premium Discounts. Available if you already hold a Travelers Auto and/or Home policy.

Providing Personal Service in Massachusetts and Rhode Island since 1960