Watercraft & Boat Insurance in Providence, RI
Owning a boat or watercraft offers multiple opportunities to enjoy Rhode Island’s coastline and waterways. However, with the excitement of being on the water comes the responsibility of insuring your vessel. At Lefebvre Insurance Agency, Inc., we help boat owners find the right watercraft insurance to fit their needs.
What Does a Policy Cover?
While specifics may vary per insurer, a standard policy can offer the following: 
- Comprehensive coverage: This can help pay for repairs or replacement if your boat is damaged by fire, natural disasters, theft or vandalism.
- Collision coverage: This can cover damage caused by hitting a dock or another watercraft.
- Liability coverage: This can cover costs related to bodily injuries and property damage you cause to others while operating your vessel.
- Medical payments (MedPay) coverage: This can help with medical expenses for you and your passengers after an accident, regardless of fault
- Uninsured/underinsured boater coverage: This may cover your losses if you’re hit by an at-fault boater with insufficient liability coverage.
- Personal effects coverage: This can cover personal items on your boat, such as fishing gear or electronics.
Why Rhode Island Boat Owners Need Insurance
While Rhode Island does not legally require boat insurance, marinas and lenders may have their own requirements. Furthermore, insurance can help financially protect you from repairs, legal claims and unexpected events on the water that might otherwise incur significant out-of-pocket costs.
The Lefebvre Insurance Agency, Inc. Advantage
Our team understands the risks that boaters in Providence, RI face. We work closely with you to compare coverage options, explain policy details and tailor solutions that fit your vessel and lifestyle.
Contact us today to discuss your insurance options and get a personalized quote.