--- title: Boat Insurance in New Hampshire | HPM Insurance | Free Watercraft Quotes! description: Get your free Boat Insurance quotes from the insurance specialists at HPM Insurance! image: https://hpminsurance.com/hubfs/Assets/Personal%20Insurance/Boat/boat.jpg --- [![HPM Insurance](https://hpminsurance.com/hubfs/HPMinsurance-Aug2017/Images/HPM_Logo_Large.jpg)](https://www.hpminsurance.com/?hsLang=en) [![Client_Portal_Small_Web_Header_600x120_transparent](https://hpminsurance.com/hs-fs/hubfs/Client_Portal_Small_Web_Header_600x120_transparent.png?width=347&height=70&name=Client_Portal_Small_Web_Header_600x120_transparent.png)](https://insurlink.vertafore.com/end-insured/2005196-1) ** [603-673-1201](tel:6036731201) - [Personal Insurance](https://hpminsurance.com/personal-insurance-quotes-new-hampshire) - [Auto Insurance](https://hpminsurance.com/car-insurance-new-hampshire) - [Corvette Insurance](https://hpminsurance.com/corvette-insurance-new-hampshire) - [Homeowners Insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire) - 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[Bristol, NH](https://hpminsurance.com/insurance-bristol-nh) - [Goffstown, NH](https://hpminsurance.com/insurance-goffstown-nh) - [Laconia, NH](https://hpminsurance.com/insurance-laconia-nh) - [Littleton, NH](https://hpminsurance.com/insurance-in-littleton-nh) - [Client Portal](https://hpminsurance.com/client-portal) # How Do You Want to Communicate with HPM? ### We need some information to provide you with coverage and pricing options. Below are the ways we can secure it.   ### ![phone_icon](https://hpminsurance.com/hs-fs/hubfs/phone_icon.webp?width=80&height=80&name=phone_icon.webp) ### Talk to an Agent Want a quote or have questions? Click to call M – F 8:00 – 5:00 Call HPM - [603-673-1201](tel:603-673-1201) ### ![email_icon](https://hpminsurance.com/hs-fs/hubfs/email_icon.webp?width=80&height=80&name=email_icon.webp) ### Send Your Policy Already have insurance? Send your policy automatically to HPM. [Click here to send current policy.](https://app.usecanopy.com/c/hpm-insurance) ### ![contact_icon](https://hpminsurance.com/hs-fs/hubfs/contact_icon.webp?width=80&height=80&name=contact_icon.webp) ### Submit Quote Form Need new coverage or want to provide info for a quote? [Click here ](https://hpminsurance.insuredmine.com/custom-form/dist/67f5e7de92d853640215002e?user=public) ### ![support_icon](https://hpminsurance.com/hs-fs/hubfs/support_icon.webp?width=80&height=80&name=support_icon.webp) ### Request a Call from HPM Short on time but want HPM to reach out to you? [Get in Touch](https://hpminsurance.com/boat-insurance-new-hampshire#form) # Boat Insurance in New Hampshire ![NH Boat Insurance](https://hpminsurance.com/hs-fs/hubfs/Assets/Personal%20Insurance/Boat/boat.jpg?width=1260&name=boat.jpg)With more than 950 lakes in the Granite State, New Hampshire boat owners have a lot to look forward to during boating season.  Throughout the spring, summer, and early fall, NH lakes are busy with people fishing, water skiing, tubing or simply enjoying the open water. However, if an accident occurs, the results could leave you more than wet, you could be left in dire financial straits.  Investing in a boat insurance policy can help protect your finances and keep you afloat. ## **What is boat insurance?** Operating any watercraft comes with certain understood risks, and it’s important to protect against those risks even if they’re accepted. Life vests, safety equipment, and awareness help lessen the risk of an accident occurring on the water. Boat insurance can help financially protect New Hampshire boaters if something does happen. Boat insurance can somewhat be thought of like [car insurance](https://hpminsurance.com/car-insurance-new-hampshire?hsLang=en) for watercraft. There are substantial differences between the two types of insurance, but there also are many points of similarity, such as the ability to purchase liability coverage as well as coverage for the boat itself. ## **Who in New Hampshire should consider purchasing watercraft insurance?** Most New Hampshire residents who have a boat or other watercraft should at least look at watercraft insurance, for its protections could be helpful. This includes owners of powerboats, jet skis, personal watercraft, and sailboats, but it also includes people who have canoes, kayaks, and dinghies. Even though smaller boats and older boats might not cost much to replace if they’re damaged, watercraft insurance can still provide valuable liability protection should something happen. Injuries and worse are possible anytime a watercraft is used, regardless of its size. Residents who do own larger and more expensive boats may be required to carry certain watercraft coverages. Lenders who finance or lease vessels typically stipulate that enough collision/comprehensive coverage is purchased to protect their investment in a boat. ## **What protections do watercraft policies offer boaters?** The similarities and differences between watercraft and auto policies most obviously show up in coverages.  Some of the coverages that are commonly found in the two policies include: - **Collision Coverage, **which might cover damage that an insured vessel sustains during an accident - **Comprehensive Coverage, **which might cover damage that a vessel sustains during non-accident events - **Medical Payments Coverage,** which might cover injuries and death to people on an insured vessel - **Property Damage Liability Coverage,** which might cover damage to other vessels, docks, or property - **Bodily Liability Coverage,** which might cover injuries and death of people not on an insured vessel  Some coverages that are more specific to boating policies include: - **Coverage for towing to a harbor, marina, dock, or launch** - **Coverage for recovering a sunken vessel** - **Coverage for fishing tackle kept on a vessel** - **Coverage for sports gear kept on a vessel** - **Coverage for safety gear on a vessel** For more details on boating-specific and other coverages, boaters should speak with an insurance agent who specializes in these policies. A specialized agent will be familiar with the nuances of each coverage. ## **Does homeowners insurance cover boats?** Whether [homeowners insurance](https://hpminsurance.com/homeowners-insurance-new-hampshire?hsLang=en) extends coverage to boats depends on the boat in question and the policy. Some homeowners policies do provide coverage for smaller and/or slower vessels, although not all do.  When a homeowners policy does cover boats, the protection afforded can be limited in both what vessels are covered and what limits are in place. These policies often only cover smaller boats (e.g. possibly canoes, kayaks, dinghies and one-person sailboats), and short powerboats with low horsepower (e.g. perhaps under 50 hp). Any protection against damage could be limited so that it’s much less than a boat’s value. [A knowledgeable insurance agent](https://hpminsurance.com/about-us/meet-our-team?hsLang=en) can help residents check their homeowners' policy to see whether it does extend coverage to their boat. If no or insufficient coverage is provided, an agent can also assist with finding a more robust watercraft policy. ## **How much are premiums for boat policies?** Boat policy premiums vary, just like car insurance. Boaters can often save on their premiums by bundling policies, carrying certain equipment on their vessel, and remaining claims-free.  The main factors that impact premium include: - Type of watercraft - Value of watercraft - Size and speed of watercraft - Driving history of operators - Location of usage (inland, coastal, international waters, etc.) The easiest way to find out how much insuring a particular boat will cost is to compare policies with an independent insurance agent. Independent agents are able to compare policies from various insurance companies, so they can see what various insurers will charge for a given set of protections. ## **How can residents of New Hampshire get boat insurance?** If you have a boat to insure,[ contact the independent insurance agents at HPM Insurance.](https://hpminsurance.com/about-us?hsLang=en) Our New Hampshire agents have worked with many boat owners in the state, and we’re ready to assist you with finding a boat insurance policy. ## No Obligation NH Boat Insurance Quote ## Get A Quote - ### Don't Wait. Get a quote today! - [** Start Now ](https://www.hpminsurance.com/insurance-quotes?hsLang=en) - or - Call Us At [603-673-1201](tel:603-673-1201) ** 603-673-1201 #### Find out more - [Insurance Quotes](https://www.hpminsurance.com/insurance-quotes?hsLang=en) - [Research Center](https://www.hpminsurance.com/research-center?hsLang=en) - [About Us](https://www.hpminsurance.com/about-us?hsLang=en) - [Client Service](https://hpminsurance.com/client-portal/?hsLang=en) - [Blog](https://www.hpminsurance.com/blog?hsLang=en) - [Office Locations](https://www.hpminsurance.com/about-us?hsLang=en) #### Stay connected [Read Our Blog](https://www.hpminsurance.com/blog?hsLang=en) [** ](https://www.facebook.com/HPMinsurance) [** ](https://www.linkedin.com/company/hpm-insurance) #### Main Office HPM Insurance Learn how to protect yourself, your family and your business. Visit http://www.hpminsurance.com to get all the information you need. 101 Ponemah Road Amherst, NH 03031 **Hours:** 8:00am - 5:00pm, M - F Phone: 603-673-1201 [![Paid Family and Medical Leave Insurance New Hampshire](https://res.cloudinary.com/expertise-com/image/upload/f_auto,fl_lossy,q_auto/w_auto/remote_media/awards/nh_manchester_car-insurance_2021_transparent.svg)](https://www.expertise.com/NH/manchester/car-insurance) © 2026 HPM Insurance | [Privacy Statement](https://hpminsurance-3427324-hs-sites-com.sandbox.hs-sites.com/about-us/privacy-statement?hsLang=en) | This material is for informational purposes only. All statements herein are subject to the provisions, exclusions and conditions of the applicable policy, state and federal laws. For an actual description of coverage, terms and conditions, please refer to the applicable insurance policy or check with your insurance professional. 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