Boat insurance

"I was able to get the best possible rate on both renters and auto insurance"

- Thomas Musumeci Cambridge MA


Make your time on the water relaxed and worry-free with the right coverage

The average boat costs less than a dollar a day to insure. In addition to boat insurance, we also offer auto insurance and motorcycle insurance.

Let Garden Insurance Agency, Inc. help you find coverage options that protect you, your family, and your personal property. Call us at 978-473-3363 and let us help to make sure you’re properly covered.


Have any questions?

Check our FAQ



Boat insurance Explained

Chances are, you'll find the answer in our FAQs. Here are some of the more common questions we get asked:

Our agency specializes in writing insurance policies for New England boaters. You can be certain we will provide you with the best protection available for the best price. We understand the differences between power boaters, sailors, and commercial fishermen, and we can tailor an insurance policy to your unique needs.
  • Liability: Like auto insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.
  • Agreed Value vs Actual Cash Value Coverage Boats depreciate just like automobiles. If your boat is a total loss you will get the agreed value you insured it for, minus any deductible. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. 
  • Medical Payments: Medical payments coverage covers the amount of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, and your passengers.
  • Physical Damage: Pays for the value to repair or replace your boat, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.
  • Uninsured/Underinsured Watercraft Bodily Injury: Boat insurance is not always mandatory. If you are struck by an uninsured/underinsured boater, and you are injured, then you are covered for medical treatment, lost wages, and other costs associated with the accident.
  • Emergency Assistance: The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.
  • Unattached Equipment Coverage: Covers to repair/replace equipment that isn’t permanently attached to your boat. For example, anchors, water skis, anchors, oars, tarps, fire extinguishers, lifesaving equipment, etc.
  • Fuel Spill Liability and Wreckage Removal: Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.
  • Navigational Area: Know where you are covered on the water. Some companies in New England offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico.