Boats & Watercraft

Why do I need boat insurance?

If you’re new to boating, you may be under the impression that your homeowners insurance will cover your boat or other watercraft.  Unfortunately, most homeowner policies have a minimal amount of coverage for small boats with either no engine or a very small engine. It’s best not to assume that you’re covered and to obtain a separate policy to ensure that you’re protected. Your boat, like your car, can go anywhere, therefore it requires a separate policy from your homeowners or renters insurance.

Although being out on the water is meant to be fun, there are many risks involved as well.  To protect yourself from accidents, incidents, and liability claims, contact the Isham Insurance Agency Inc. to discuss your coverage needs.  We’ll be happy to provide you with a free quote on a new policy and get you set up so that you can enjoy yourself out on the water, having peace of mind knowing that you, your family, and friends and are protected under your insurance policy.

Types of Watercraft’s Include:

  • Sail Boats
  • Speed Boats
  • Fishing Boats
  • Pontoon Boats
  • Paddle Boats
  • Jet Ski’s
  • Canoes
  • Fishing Boats
  • Kayaks
  • Tenders
  • Watercraft Equipment
  • & More


  • The scenic waterways of northern New England provide boaters with a recreational paradise.  Your friends at the Isham-Berwick Agency, Inc. will work with you to provide the best protection possible for your watercraft investment.  There are numerous watercraft options with specific insurance requirementsOur watercraft policy will consider:
    • Medical: If you get hurt on your watercraft, your policy can protect you with medical coverage payments.
    • Physical Damage: If your watercraft, motor or trailer is damaged, we will work with you to determine the physical damage coverage necessary for your property
    • Liability: If you are involved in an accident, it is likely that you,  your passengers and others can be injured.  If you are at fault, you will need liability coverage.  Our team of agents can assist you in this process.