Boating Insurance

Is your boating insurance seaworthy?

Getting out on the water with your watercraft in the beautiful State of Maine’s lakes, rivers, and oceans can be a wonderful escape from day-to-day life. But, having fun on the water can also increase liability risks.


Let the Darling’s Agency ensure your “financial boat” doesn’t sink if you encounter rough waters.

Does homeowners insurance cover your boat?

The fact is that homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.
In other words, you may be underinsured if you don't carry a boat insurance policy.

Boat Insurance: what's covered

Typical coverages should include:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

We also provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat

Boat insurance discounts spoken here

We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Pay your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Whether you're enjoying your pontoon boat at camp on Moosehead Lake or you make a living with your lobster boat in Frenchman's Bay, make sure you have the proper coverage for your boat.

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.

Contact us today, and we'll help you protect what matters most.

Happy boating! Be sure to check out this link for more information on the state of Maine's fishing laws and rules:

https://www.maine.gov/ifw/fishing-boating/fishing/laws-rules/index.html

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