Vermont Boat Insurance

From the Green Mountains to the shores of Lake Memphremagog, Vermont is built for boaters. With GEICO, getting coverage for your boat is simple, affordable, and can be tailored to how you choose to navigate Vermont waters. With flexible policies, 24/7 claims support, and top-rated customer service, GEICO helps you stay safe on the water without breaking the bank. Protect your boat with every nautical mile.

Is Boat Insurance Required in Vermont?

No, boat insurance isn’t a legal requirement in Vermont, but many marinas and loan providers still expect you to have it. Just because it’s not mandatory doesn’t mean it’s not important. If your boat is financed or leased, your lender may require comprehensive coverage to protect their investment. Many marinas in Vermont may also require liability insurance before you can dock.

Going without protection doesn’t lead to any state penalties, but it could leave you vulnerable to costly repairs or liability issues in the event of an accident. Accidents, storm damage, and theft can all lead to high out-of-pocket costs if you're uninsured. Having a GEICO boat insurance policy offers peace of mind, even if the law doesn’t require it.

Vermont Boat Insurance Coverage

GEICO offers boat insurance coverage to help you stay protected from the unexpected. Here’s what your Vermont boat insurance policy might include:

  • Liability Coverage: Covers bodily injury and property damage if you're found at fault in an accident. This also includes coverage for fuel spills and wreckage cleanup, which could result in costly fines or repair bills.
  • Hull and Equipment Coverage: Offers protection for your boat’s hull, motor, and equipment if damaged by a covered incident like theft, weather, or collision.
  • 24/7 Boat Towing: Boating issues can happen at any time. GEICO’s round-the-clock towing service ensures help is never far away, even on the most remote parts of Vermont’s waterways.

GEICO boat insurance can help make every trip on Vermont’s waters safer, smarter, and less stressful. So, if you’re ever in need of assistance out in the waters, GEICO offers optional Boat towing coverage through TowBoatUS. Learn about Premium Towing to see how we help get you back to shore quickly and safely.

How Much Does Boat Insurance Cost in Vermont?

In Vermont, the cost of boat insurance varies based on a few factors. GEICO will consider your boat’s value, length, engine type, how you use it, and even where it’s kept during the winter months. Boats stored securely in a garage may qualify for lower rates than those kept docked year-round. Ultimately, your premium reflects your boat’s risk profile and usage.

GEICO offers flexible plans and plenty of discounts to help you get reliable protection at a price that works best for your budget. Plus, you could even save by bundling policies or maintaining a clean boating record.

Vermont Boat Insurance Discounts

GEICO offers a range of discounts designed to help Vermont boaters get high-quality coverage at a great rate. Potential savings opportunities could include:

  • Multi-Policy Discount: If you’re already a GEICO member, you can save more when you insure your car, home, or other vehicles in addition to your boat policy.
  • Boating Safety Course Discount: Taking a state-approved or nationally recognized boating safety course brings savings to your policy.
  • No Loss History Discount: If you haven’t filed any recent claims, GEICO offers no-loss credits to lower your premium.

Why GEICO is the Best Boat Insurance in Vermont

Vermont’s lakes and rivers offer some of the most beautiful boating in New England. That’s why so many local boaters choose GEICO for coverage they can count on. GEICO is proud to insure watercraft across the state, offering coverage that’s built for every kind of boating experience.

With quick and painless claim support available 24/7 you can get back on the water without unnecessary delays. We’ve earned the trust of thousands of boaters nationwide because we focus on affordability, dependability, and support whenever you need it.

Get a Free Boat Insurance Quote in Vermont

Having the right insurance coverage matters, and GEICO makes it easy to explore your options with a fast, free boat insurance quote tailored to your needs.

Get started with a free quote and find out how much you could save with GEICO’s competitive rates and boat insurance discounts. Our experienced agents and online tools make it easy to personalize your policy and ensure you're covered.

Boat Insurance in Vermont FAQs

  • Do boats in Vermont need to be registered?

    Yes, most boats in Vermont must be registered with the Vermont Department of Motor Vehicles (DMV). This includes all motorized watercraft and sailboats 16 feet or longer. Even if your boat is registered in another state, it must be registered in Vermont if it will be used on Vermont waters for more than 90 days in a calendar year. Operating an unregistered boat could lead to fines or restrictions on where you can launch.

  • What types of watercraft are covered by boat insurance in Vermont?

    GEICO boat insurance covers a wide range of watercraft commonly used in Vermont. That includes powerboats, sailboats, pontoon boats, fishing boats, personal watercraft, and some small yachts.

  • Does taking a boating safety course lower my insurance in Vermont?

    Yes, completing a certified boating safety course can help you qualify for a discount on your GEICO boat insurance policy in Vermont.

  • Are all boaters in Vermont required to wear a personal flotation device?

    Vermont law requires that there be a U.S. Coast Guard-approved personal flotation device (PFD) for each person onboard any vessel. Children under 12 years old must wear a properly fitted life jacket at all times while the boat is underway. Adults are not required to wear a PFD at all times, but it is strongly recommended.