Boat insurance written by people who moor on Casco Bay
Agreed value, fuel spill liability, haul-out and storage, and a policy that knows the difference between a mooring in Falmouth and a slip in Boothbay.
Sample premiums from $34 a month. Sample figures for illustration.
How we approach boat & marine coverage
Boats are excluded or barely covered on most homeowners policies. A dedicated boat policy covers the hull, engine and equipment, plus liability for injuries and property damage on the water, fuel spill cleanup, towing and salvage, which can be expensive in Maine waters.
We wrote our first marine policies for Casco Bay lobstermen in 1964. Today we insure sailboats, cruisers, center consoles and commercial fishing vessels. We look at navigation limits, lay-up periods, mooring gear and whether the boat is stored on land for the winter, all of which affect price.
How a quote comes together
Most boat & marine quotes take one conversation and a day or two of comparison.
Boat details
Year, make, length, engine, value and any recent survey.
Where and when
Mooring or slip, navigation area and lay-up months.
Choose valuation
Agreed value or actual cash value, explained with examples.
Marine carrier comparison
Specialty marine carriers quote the same coverage.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Boat type and speed
High-performance boats cost more than sailboats and trawlers.
Age and survey
Older hulls may require a recent survey and actual cash value terms.
Navigation area
Coastal waters beyond Casco Bay may widen territory and price.
Boating experience
Safety courses and years of experience earn credits.
Storage
Winter storage on land usually reduces premium.
Why neighbors choose an independent agent
- Local marine knowledge
- Six decades insuring Maine boats, moorings and fishing families.
- Survey guidance
- We connect you with local surveyors when a carrier requires one.
- Commercial fishing
- Hull and protection and indemnity coverage for working boats.
- Umbrella coordination
- Boat liability limits set to support your personal umbrella.
Often paired with boat & marine
All coverage
Personal umbrella
An extra $1 million or more of liability above your home, auto and boat policies.
Sample premiums from $26 a month for $1M
Homeowners
Dwelling, belongings and liability for the house you live in, priced on what it costs to rebuild in Maine.
Sample premiums from $96 a month
Life
Term and permanent life insurance sized to a real household budget and a real mortgage.
Sample term premiums from $22 a month
Boat & marine questions
Usually only small boats with low horsepower, and often with very low limits. A separate boat policy is recommended for almost any powered boat or sailboat.
You and the insurer agree on the boat's value when the policy starts. After a total loss, that amount is paid without depreciation.
Carriers often require one for boats over a certain age or value. We can suggest surveyors along the Maine coast.
Mooring gear can often be added as equipment. Damage your boat causes to another vessel is covered by liability.
Compare boat & marine quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.