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Looking for a boat insurance agent in Gardner? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Gardner, MA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Massachusetts before hiring.
Showing 2 boat insurance agents in Gardner, MA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
ICNE, Insurance Center of New England
90 Parker St, Gardner, MA 01440
(800) 243-8134
icne.com
Universal Insurance Agency
33 Pearson Blvd, Gardner, MA 01440
(508) 752-9333
universalinsagency.com
Boat insurance agents in Gardner, Massachusetts help protect your watercraft on local lakes like Dunn Pond and Crystal Lake. Massachusetts requires all motorized boats to carry liability insurance if financed or docked at a marina. A local agent can guide you through state-specific requirements and optional coverages for your vessel.
What Does a Boat Insurance Agent in Gardner Cost?
Boat insurance costs in Massachusetts typically range from $300 to $800 per year for a standard runabout, depending on the boat value and coverage limits. Larger vessels or high-speed boats can cost $1,000 or more annually. Factors like your boating experience, claims history, and storage location affect the premium. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
Do I need boat insurance in Gardner Massachusetts?
Massachusetts does not require liability insurance for all boats by law, but most marinas and lenders do. If you have a loan on your boat or keep it at a marina, you will likely need proof of insurance. An agent can help you meet these requirements.
What does boat insurance cover in Massachusetts?
Typical boat insurance policies cover physical damage to your boat, liability for injury or damage to others, and medical payments. In Massachusetts, policies often include coverage for wreck removal and environmental cleanup, which are important on local waterways.
How do I choose a boat insurance agent in Gardner?
Look for an agent who understands Massachusetts boating laws and local water conditions. Ask about coverage for theft, storms, and liability limits. A local agent can also help with seasonal policies for winter storage.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Massachusetts.