Boat insurance

In The Lakes Region

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Protecting your NH Boat is a plain sailing experience with Meredith Insurance Agency

You purchased a boat to provide years of personal enjoyment—ensure your pleasure by choosing the right
insurance protection.

Get to know NH boat Insurance

The Basics

A small boat, such as a canoe or other un-motorized boat, is typically covered
under the personal property portion of your homeowners insurance policy. If
you own a larger, faster boat, you’ll need a separate boatowners insurance
policy. A typical boatowners insurance policy is designed to protect your boat,
motor, equipment and passengers. It affords similar coverages to those you
typically have for your car including:

Physical Damage:

Physical damage coverage insures your boat, motor, boat
trailer, boat equipment (anchors, oars, fuel tanks, life jackets, dinghies,
tools, etc.) and other personal property against theft, accidental loss or

Liability (Two principal liability coverages are included):

o Personal Liability – A boatowners insurance policy provides protection
for legal liability and pays, up to the limit of your policy, the legal
obligations imposed upon you due to an accident resulting from the
ownership, maintenance, or use of your watercraft, including bodily
injury, property damage and legal defense.

o Medical Payments– This pays medical expenses, up to the limits in the
policy, including the insured’s boating-related medical expenses from
an accident arising out of the ownership, maintenance or use of the

Additional Coverages

For added protection, consider the following additional coverage options:

Reasonable Repairs: Covers repairs incurred to protect covered property from further damage.

Emergency Service: Pays for reasonable costs that you incur resulting from specified emergency service to your boat, motor or boat trailer.

Wreck Removal: Pays the reasonable expenses you incur for any attempted or actual raising, removal or destruction of the wreck of your watercraft when damage is caused by an insured loss and removal or destruction is required by law.

Disclaimer: This content is provided for informational purposes only. The information provided herein is not intended to be exhaustive, nor should it be construed as advice regarding coverage. Eligibility for
coverage is not guaranteed and all coverages are limited to the terms and conditions contained in the applicable policy. © 2008, 2011, 2013, 2016 Zywave, Inc. All rights reserved.

Bundle & Save

All those personal insurance policies are a pain, but they could pay off.

If you already have insurance for your house or car, ask about our multi-policy discounts. You could save some money by bundling your boat insurance with them.

Discover Your Potential Savings