At Ransom & Associates Insurance Agency in Winder, GA, we frequently have boat and watercraft owners asking us whether they are required to have boat insurance in the lovely Peach State. While every state is different, Georgia state law does require certain kinds of insurance and lets policyholders make that decision for themselves. We’ll cover whether boat insurance is necessary in Georgia and why you should consider looking into it as a boat owner, no matter what the law says.

What is boat insurance?

Boat insurance, also called watercraft insurance, is a kind of insurance policy that covers boats and other watercraft. These can include large motorboats, kayaks, canoes, and even jet skis under some policies. The point of boat insurance is to cover the insurance policyholder in situations such as liability, theft, and damage through natural disasters in some cases.

Does Georgia require boat insurance by law?

According to Georgia law, boat owners are not legally required to have boat insurance. That being said, boat insurance is still a worthwhile investment for any responsible boat owner. Although we never think our boat will be stolen, destroyed, or the cause of an accident, we can never know these things until they happen.

Even if the law doesn’t require boat insurance, most insurance professionals would recommend that those who own boats or watercraft get boat insurance as a safety net for these unpredictable scenarios. If you never get into an accident or have your boat stolen, it’s worth the sense of security. In the worst-case scenario, you’ll be grateful that you have the coverage you need when you need it.

Contact Us Today

For a quote on our boat insurance policies at Ransom & Associates Insurance Agency in Winder, GA, call our office today!