Many North Jersey and Jersey Shore boat owners assume their homeowners policy has them covered on the water. Unfortunately, that's usually not the case. Most homeowners policies place strict restrictions on watercraft coverage based on the size and horsepower of your boat — meaning if you don't carry a dedicated boat insurance policy, you may be seriously underinsured.

Don't let a gap in coverage turn a great day on the water into a financial disaster. A proper boating insurance policy gives you the protection you actually need.

A solid boating insurance policy for New Jersey watercraft typically covers:

We work with carriers who reward responsible boaters. Here are some of the ways you may be able to lower your premium:

There are even more ways to save — the best way to find out is to have a quick conversation about your specific situation and coverage needs.

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.