Vermont Boat Insurance

Get a complete analysis of Vermont boat insurance costs, coverages & companies.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

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Find the Best Boat Insurance Rates & Companies in Vermont 

Known for its many mountains and lakes, Vermont has tons of opportunities for boaters to get out on the water. Whether you use your boat on Lake Champlain, the Green River Reservoir, or the Connecticut River, having boat insurance is a wise decision. Without this coverage, you might have to pay for the costs of repairs to your boat after collisions, vandalism, and other threats.

Luckily, a Vermont independent insurance agent can help you get equipped with all the boat insurance you need. Your agent will choose the ideal policy for your unique vessel and personal preferences. But until then, here's a deep dive into Vermont boat insurance requirements and more.

Best Boat Insurance Companies in Vermont

Many different carriers in Vermont sell boat insurance, but they're not all equal in terms of quality or cost. That's why we've put together a list of just a few of our top picks for the best boat insurance in Vermont for you. Start your coverage journey by comparing policies from these outstanding carriers:

A Vermont independent insurance agent can shop and compare boat insurance quotes from these carriers and others that offer quality coverage in your town.

What Boat Insurance in Vermont Can Cover

You can build a boat insurance policy according to your personal needs and desires by choosing several types of coverage. In Vermont, many boat insurance carriers offer the following coverage options:

A Vermont independent insurance agent can recommend each type of coverage that would benefit you the most.

Is Boat Insurance Required in Vermont?

Vermont doesn't mandate boat insurance by state law. However, many boaters still choose to get coverage so they can get reimbursed for lawsuits, vandalism, theft, collisions, and numerous other hazards. So, you might decide to get boat insurance if you own any of the following types of watercraft:

Often, you'll find that marinas require boaters to have boat insurance before they can dock there. Additionally, many boat financing lenders require applicants to have boat insurance before they're approved.

What Boat Insurance in Vermont Will Not Cover

Boat insurance in Vermont comes with its own set of coverage exclusions, as does any other type of policy. Don't expect your boat insurance to cover any of the following:

If you purchased an endorsement on your boat insurance policy, you might have coverage against disasters caused by faulty or defective machinery. Make sure to review your specific boat insurance policy's list of coverage exclusions.

Average Cost of Boat Insurance in Vermont

Vermont boat insurance tends to be highly affordable for many boaters at an average rate of just $263 per year. However, the cost of your boat insurance might differ based on the following criteria:

Many different factors can lead to an increased cost of boat insurance, including having filed numerous boat insurance claims in the past. 

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What Boat Insurance Discounts Are Available in Vermont?

There are ways to reduce the cost of boat insurance in Vermont even further, such as through various available discounts. The discounts offered will vary by insurer, but in Vermont, here are some of the most common:

A Vermont independent insurance agent can help you save the most money possible on your boat insurance by applying any discounts you qualify for to your policy.

Popular Questions about Vermont Boat Insurance

Is boat insurance required in Vermont?

No, boat insurance isn't required by law in Vermont. However, you might need to have boat insurance if you finance your boat or dock at a marina.

How much does boat insurance cost in Vermont?

Vermont boat insurance costs an average of $263 annually. The cost of your policy might vary depending on the specs of your boat and other factors, though.

What is the best boat insurance company in Vermont?

Our finding is that Progressive is the best boat insurance company in Vermont this year. Progressive offers many boaters discounts, outstanding coverage options, and competitive rates.

If I get in an accident while towing my boat, who pays for the damage?

Your boat insurance policy can cover medical expenses for injuries to yourself, your passengers, and third parties after an accident you cause while towing. Your boat insurance can also cover third-party property damage and damage to your boat and other property, depending on the types of coverage in your policy.

Do you need boat insurance in Vermont?

You don't have to have boat insurance according to Vermont law. But many boaters still choose to get coverage in order to receive reimbursement for damage or destruction to their boat caused by many threats like collisions, vandalism, theft, and more.

What does boat insurance cover in Vermont?

Boat insurance in Vermont can be designed to cover liability, collisions, emergency towing services, fuel spill and wreckage clean-ups, and much more. It depends on the exact types of coverage you select to go into your personal policy.

Why work with a Vermont independent insurance agent when shopping for boat insurance?

Vermont independent insurance agents can help you find the boat insurance you need from a top-rated local carrier. Independent insurance agents work hard to find quality coverage at the most affordable rate. They'll shop and compare boat insurance quotes from a number of different carriers for you. 

And down the road, they can help you file boat insurance claims or update your coverage as needed. Your agent can help you find boat insurance in Montpelier or wherever you reside.

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