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Boat Insurance for MD, VA, DC Residents

Boat Insurance for MD, VA, DC Residents

Your boat is an important investment – even more important when you add accessories, equipment and a trailer.   Here at Community Insurance Services in Laurel, Maryland, we can help you sort through the options and arrive at the best boat insurance coverage for your needs, whether you live in Maryland (MD), Virginia (VA) or Washington, DC.

Is Boat Insurance Needed for Small Boats?

Small boats with limited horsepower such as small sailboats, canoes and small power boats, may be eligible for coverage through a renters, condo or homeowners policy.

What Does Boat Insurance Cover?

Larger, faster boats require a separate insurance policy and coverages usually include the following:

  • Physical damage or loss – covers the boat, permanently attached equipment, motors & trailer in   the event of a physical loss or damage. 
  • Liability Protection which may include the following:
    • Property damage – covers damage to someone else’s property.
    • Bodily injury – covers injuries caused to someone else.
    • Medical payments – covers injuries to you and/or your passengers.
    • Guest passenger liability – covers legal expenses of someone using the boat with your permission.

Liability limits, deductibles, additional coverages and discounts can vary to meet your needs.

Why not sit down with one of our capable agents who is experienced in boat insurance; and with their help, you can learn about available discounts and coverage choices to create just the right policy for your needs.  Just contact us today to discuss how we can help or get a free quote.  Already have your boat insurance policy?  Why not take advantage of our free, no-obligation Policy Review to assure that you have the best coveraage at the best rate?


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The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Community Insurance Services before making any decisions or choosing a course of action. 




What Our Customers Have To Say...

I have worked with Heather for years. She has always guided me and helped me in a very prompt and professional manner. She always answers my questions fully and gives me comfort that I have all the facts before making a decision. I highly recommend working with her for all of your insurance needs.--- Theresa M.