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The Washwick Agency

2212 Main St
Bethlehem, NH 03574

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860 East Main Street
Riverhead, NY 11901

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Do I need boat insurance for the entire year if I can only use my boat in the summer?

There is no legal requirement to carry boat insurance in New Hampshire, but failure to carry insurance could lead to disaster if something happens. If your boat is damaged, and you don’t have insurance, you won’t get any help paying for it.

Bethlehem, NH boat insurance can also help protect you if you accidentally injure someone while boating. The Washwick Agency can give you the information you need to make an informed decision about what kind of boat insurance to carry and whether you need insurance in the winter.

Your Boat Is At Risk Even When It Is In Storage

One of the biggest risks your boat faces during the winter is theft. Once you have your boat safely in storage, you probably don’t spend much time checking on it. Many boats are stolen during the winter by people taking advantage of this lapse of attention. Vandalism is also a possibility.

Boats can also be damaged during the winter because of fire or bad weather. An electrical fire or a snowstorm could cause damage to the structure storing your boat, leading to a total loss.

A Lapse In Insurance

A lapse in insurance can look bad on your record. Also, you can still be liable for accidents related to your boat, even if your boat is in storage. For instance, kids could find your boat and decide to clown around, leading to injury that you will have to pay for.

If you are still paying off a loan on your Bethlehem, NH boat, year-round insurance is probably part of the terms anyway. Call The Washwick Agency today so we can help find a policy that fits your needs.

Servicing States

We have expanded our services into multiple states! Don’t see your state listed, reach out anyway!

  • New Hampshire
  • Maine
  • Vermont
  • New York (Long Island, NYC)
  • Florida
  • South Carolina
  • Texas
  • Maryland
  • Connecticut


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