Boat Insurance

From summer weekends to everyday workboats, F&T Insurance Agency provides the boat insurance you need to navigate with confidence. We serve recreational and commercial boaters throughout Massachusetts, Rhode Island, Connecticut, and New York—with clear coverage and hands-on service from people who understand the water.

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Protect Your Vessel

Boat Insurance That Goes Further

Whether you're docked in Westport MA, cruising the coast of Rhode Island, or trailering to lakes in upstate New York, we help you get reliable boat insurance coverage. Our marine insurance plans protect your vessel, passengers, and peace of mind on and off the water.

Hull & Equipment Protection

Our boat insurance includes coverage for damage to your boat’s structure and built-in equipment—whether caused by storms, accidents, or fire.

Liability at Sea

From marina slips to open water, we offer watercraft insurance that protects you if your boat injures someone or damages property.

Towing & Emergency Services

Breakdowns happen. We include options for on-water towing, fuel delivery, and emergency support—keeping your time on the water hassle-free.

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Boat Insurance Questions We Hear Often

  • Does homeowners insurance cover my boat?

    Usually not. Homeowners policies often exclude or limit boat coverage. A separate boat insurance policy ensures full protection.

  • What types of boats can you insure?

    We insure most watercraft, including powerboats, sailboats, jet skis, pontoons, and fishing boats. We’ll help match coverage to your specific vessel.

  • How much boat insurance do I need?

    It depends on your vessel, location, and usage. We help you balance liability and repair costs with boat insurance quotes MA clients rely on.


  • Is marine insurance required in my state?

    While it’s not legally required in most states, marinas, lenders, or storage facilities may require proof of insurance. We make compliance easy.


  • How do I keep my premiums affordable?

    We help you find affordable boat insurance MA options, including discounts for bundling, safe boating courses, and storage practices.

Your Crew Starts Here

Let’s Keep You Covered

At F&T Insurance Agency, we don’t just insure boats—we help people enjoy the water with less worry. From boat insurance quotes to claims, our team is here to guide you every step of the way, with one-on-one support and answers that make sense.

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