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Protect Your Watercraft with Tailored Insurance Coverage in Connecticut

Explore our specialized watercraft insurance options designed to safeguard your boats and vessels in the picturesque waters of Connecticut. Our customizable insurance plans offer peace of mind, ensuring that you can enjoy your maritime adventures worry-free. Connect with us to discover the perfect insurance solution for your watercraft needs in the beautiful state of Connecticut.

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Are you ready to safeguard your maritime investments and navigate the waves with confidence? Look no further! Our watercraft insurance services in Connecticut are designed to cater to both your commercial needs and provide valuable information to guide your decisions.

What is Watercraft Insurance?

Watercraft insurance is a type of coverage that provides financial protection for individuals who own and operate boats, yachts, personal watercraft (such as jet skis), and other types of water vessels. This insurance is designed to help mitigate the risks associated with owning and using watercraft, which can include damage to the vessel itself, liability for injuries or damage to other people's property, and other related risks.

Coverage for watercraft insurance may include:

  1. Physical Damage Coverage: This component helps repair or replace your watercraft if it's damaged or destroyed by a covered event, such as a collision, fire, theft, or natural disaster.

  2. Liability Coverage: This covers bodily injury or property damage for which you may be legally responsible. If you're involved in an accident and deemed at fault, liability coverage helps pay for the medical expenses and property damage of others.

  3. Medical Payments Coverage: This helps cover medical expenses for you and your passengers if you're injured in a covered accident, regardless of who is at fault.

  4. Uninsured/Underinsured Boater Coverage: Protects you if you're involved in an accident with a boater who doesn't have insurance or has insufficient coverage.

  5. Towing and Assistance: Covers the cost of towing your watercraft to a repair facility if it becomes disabled.

Watercraft insurance is essential for both recreational boaters and commercial boat operators, providing financial security and peace of mind while enjoying time on the water. The specific coverage and cost can vary based on factors such as the type of watercraft, its value, how it's used, and the location where it operates.

Why Choose Our Watercraft Insurance in Connecticut?

At Insure Connecticut LLC, we understand the unique challenges that boat, yacht, and personal watercraft owners face on the Connecticut waters. Our comprehensive insurance coverage ensures you're protected against unforeseen events, allowing you to focus on what you love – the open seas.

People Also Ask About Watercraft Insurance in Connecticut

Is Watercraft Insurance in Connecticut required?

Based on the search results, Watercraft Insurance is not required by law in Connecticut. While boat insurance is not mandated by the state, there are situations where other entities, such as lenders when financing a boat, may require insurance. However, as of the latest information available, Connecticut law does not make it compulsory to have Watercraft Insurance. If you plan to operate a boat in Connecticut, the primary requirement is to register your vessel with the Department of Motor Vehicles.

What is required on a boat in Connecticut?

In Connecticut, specific requirements must be met for boats to legally operate. Here's a comprehensive overview based on the search results:


  • Registration and Numbering: All boats with motors, regardless of size, and sailboats powered by sail alone that are 19 1/2 feet or longer in length must be registered and numbered before being launched. If you purchase a boat that is already registered, you are responsible for ensuring it is registered in your name.

  • Capacity Labels: Capacity labels are mandatory on all vessels less than 20 feet manufactured after 1972. These labels must be affixed by the manufacturer, and altering or defacing them is prohibited by Connecticut law.

  • Additional Details: If vessels are moored, docked, or operated in Connecticut for more than 60 days in any calendar year and are documented or numbered by another state, they must obtain a Connecticut Certificate of Decal from the Department of Motor Vehicles (DMV) and display a current Connecticut registration.


For more detailed information on boating laws, regulations, and safe operation guidelines in Connecticut, you can refer to the Connecticut Boater's Guide, which serves as a comprehensive handbook covering these aspects. Additionally, for any specific inquiries or clarifications, you can reach out to the Boating Division at (860) 434-8638 or via email at or visit their website at

How much is boat insurance in CT?

The cost of boat insurance in Connecticut can vary depending on factors such as location, boat size, and the type of watercraft. While specific figures are not provided in the search snippets, boat insurance costs typically range between $150 and $500 per year ($12.5 to $41.5 per month). It is advisable to request personalized quotes from insurance providers to get accurate real-time pricing for boat insurance in Connecticut.

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