Do You Need Boat Insurance in New Jersey?

Summer is here, and that means New Jersey residents who own a boat will be flocking to lakes, bays, and the Atlantic Ocean to take their marine vessel out for a spin. But you may be wondering if you are required to insure your boat? The answer to that is a little complicated. In New Jersey, you must register your boat before you even consider insuring it. If you operate a boat for 180 days or more, it needs to be registered. You must also register your boat if you rent, lease, or maintain the property for storage of the boat. To use New Jersey waterways, all boats longer than 12 feet in length must be titled at a Motor Vehicle Commission (MVC) Agency. Aside from those strict stipulations, boat insurance is not a requirement in the Garden State. But, you still may purchase it. You might wonder why boat insurance would be a good idea? Why Purchase Boat Insurance? Boat insurance can go a long way in helping you and your loved ones if disaster strikes. Most homeowner insurance…

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