New Jersey's shoreline is home to some of the best boating in the country — from the protected waters of Barnegat Bay to the open ocean off the Long Beach Island coast. At Shore Agency and RFK Insurance, we've been insuring the people, homes, and businesses along these waterways for generations. Protecting your boat is a natural extension of that.

Whether you keep a runabout at a Toms River marina, run a center console out of Brielle, or cruise the Intracoastal on a trawler, we'll match you with the right coverage at a competitive rate — and make sure you understand exactly what you're buying.

A standard boat insurance policy combines liability protection with physical damage coverage for your vessel. Here's what each part does

Policies can also include coverage for personal property aboard (fishing gear, electronics, safety equipment), emergency towing and assistance, and fuel spill liability — which is increasingly important as environmental regulations tighten in NJ coastal waters.

Most homeowners policies provide only minimal coverage for boats — typically $1,000–$1,500 for theft of the boat itself, and no liability coverage on the water whatsoever. That gap matters the moment you leave the dock.

A standalone boat insurance policy fills that gap completely: on-water liability, physical damage to the hull and motor, and coverage that travels with you from your home slip to a rented marina two inlets over.

Own a restored classic Chris-Craft, a vintage wooden sailboat, or a collector's outboard? Standard boat insurance often undervalues classic vessels — paying out depreciated market value rather than what it actually cost to restore and maintain them.

We specialize in agreed value policies for classic and vintage boats: you and the insurer agree on the boat's value upfront, and that's exactly what you receive in the event of a total loss — no depreciation, no negotiation. It's the same approach we apply to our classic car clients, and it makes a significant difference for owners who've invested in preservation-quality restorations.

• Boater safety course discount: Completing a USCG-approved or state-recognized boating safety course typically reduces your premium by 5–15%. New Jersey recognizes courses from the Coast Guard Auxiliary, U.S. Power Squadrons, and online providers like BoatUS.
• Multi-policy discount: Bundle your boat policy with your home, auto, or umbrella coverage through Shore Agency or RFK Insurance for a meaningful reduction across all policies.
• Lay-up credit: If your boat is in dry storage from November through April, you can exclude on-water coverage during those months — this can reduce your annual premium by 10–20%.
• Safety equipment: VHF radio, GPS, fire extinguishers, and proper running lights can earn additional credits depending on the carrier.
• Claim-free history: A clean record on the water translates directly to lower rates over time.

You might think you want the cheapest boat insurance you can find — but cheap isn't everything. While most insurance products are similar in price, providers vary widely when it comes to building a policy that actually covers you when something goes wrong.

There's no one-size-fits-all policy on the water. Whether you're mooring at a Jersey Shore marina, cruising the Raritan Bay, or trailering your boat across the state, we'll build a policy around your specific needs — not a generic template

Whether you're on the ocean, the bay, a river, or a lake, we insure New Jersey boaters across every type of waterway:

Jersey Shore & Coastal Waters: The Jersey Shore coastline from Sandy Hook down through Point Pleasant, Long Beach Island, Atlantic City, Absecon, Ocean City, Wildwood, and Cape May is home to some of the most active recreational boating in the Northeast. We insure everything from PWCs and fishing boats to cabin cruisers and sailboats operating in the Atlantic and along the Shore's barrier islands.

Barnegat Bay: One of New Jersey's most popular boating destinations, Barnegat Bay stretches 40 miles along the Ocean County Shore and is home to hundreds of marinas and boat launches in Toms River, Brick, Lavallette, Seaside Heights, Bay Head, and Barnegat Light. We cover boats based throughout the Bay.

Raritan Bay & Sandy Hook Bay: North Jersey boaters in Monmouth, Middlesex, and Union counties who launch from marinas in Keyport, Keansburg, South Amboy, and Atlantic Highlands depend on Raritan Bay for their season. We know this water and the coverage needs that come with it.

Navesink & Shrewsbury Rivers: Red Bank, Rumson, Sea Bright, and Fair Haven are home to some of Monmouth County's most active boating communities. We insure boats moored along the Navesink and Shrewsbury Rivers year-round.

Delaware River & Bay: Boaters in South Jersey and the Delaware Bay region — including Cape May, Maurice River, and Delaware Bay fishing boats — operate in conditions that require coverage built for open bay and river use. Shore Agency covers them.

Lake Hopatcong & North Jersey Lakes: North Jersey's largest lake is a major summer boating hub for Morris and Sussex County residents. We insure pontoons, fishing boats, and personal watercraft on Lake Hopatcong, Greenwood Lake, and other North Jersey recreational lakes.