Boat and Personal Watercraft Insurance
Protecting What You Enjoy

New Jersey Boat and Personal Watercraft Insurance

Whether you're boating, fishing, yachting, or riding a Jet Ski® on the Jersey Shore or one of New Jersey's lakes or rivers, you're bound for water. That's why we've partnered with American Modern,* a nationwide provider of specialty insurance. This coverage is specifically tailored to provide the liability and physical damage insurance you need for your watercraft.

New Jersey Boat Insurance Requirements

Unlike car insurance, boat insurance is not a requirement in many states, including New Jersey. 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.** Location, boat size, and type of watercraft are just three factors taken into consideration when determining a premium. For example, you won't be paying the same amount for a Jet Ski® as you would for a bass boat. If you have significant boating experience or if you've already had insurance, you may be eligible for any of more than a dozen discounts through American Modern.

What You Operate, We Insure***

  • Antique (including wooden hulls)
  • Bass/Walleye
  • Catamaran
  • Cruiser
  • High-performance
  • Houseboat
  • Hovercraft
  • Mid-performance
  • Pontoon
  • Ski boat
  • Trawler
  • Runabout
  • Sail boat
  • Sportfish
  • Jet Ski®

Boat Safety

Whether you're heading out on the Delaware or taking a trip down the shore, following basic safety precautions is necessary whenever you venture out on the open water. NJM encourages all drivers to have a pre-departure checklist to ensure that you aren't stuck in a sticky situation after undocking.

*American Modern is a registered trademark of American Modern Insurance Group, Inc. All other product names, logos, and brands described herein are trademarks or registered trademarks of their respective holders and use herein does not imply affiliation with or sponsorship or endorsement by them of American Modern, NJM, or their respective products and services.

**Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Policies are written by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA American Modern Insurance Company (Lic. No 2222-8).

***Up to 64 feet in length, 120 m.p.h. (faster for some classes), and $1 million in value.