Maryland Boat and Personal Watercraft Insurance
Whether you're boating, fishing, or riding a Jet Ski® on the Chesapeake Bay or one of Maryland's lakes or rivers, you're bound for water. That's why we've partnered with American Modern, a nationwide provider of specialty insurance. Boat insurance provides more coverage than a standard homeowners policy, with increased liability and physical damage insurance for your boat.
Maryland Boat Insurance Requirements
Unlike car insurance, boat insurance is not a requirement in many states, including Maryland. However, that doesn't mean that you should go without it. Our partnership with American Modern gives you access to comprehensive coverage with increased liability and physical damage protection. It even offers the option for coverage of your personal items on board, including your fishing gear.
How Much Does Boat Insurance Cost?
Boat insurance costs can vary widely depending on several factors, including location, boat size, and type of watercraft. For example, you won't be paying the same amount for a bass boat as you would for a high-performance boat. If you have significant boating experience or if you've already had insurance, you may be eligible for discounts through American Modern® insurance.
What You Operate, We Insure*
- Ski boat
- Sail boat
- Sport fisher
- Personal watercraft
Wherever you sail, following basic safety precautions is necessary whenever you venture out on the open water. NJM encourages all helmsmen to have a pre-departure checklist to ensure that you aren't stuck in a sticky situation after undocking.