Are You Legally Required to Carry Boat Insurance in Mississippi?

Summer is here, and for many people, that includes taking their boat out on the water. If you are a new boat owner, you may wonder if you must legally carry boat insurance in Mississippi. Here is the answer from Insurance Protection Specialists, a boat insurance provider in the greater Flowood, MS area.

Are You Legally Required to Carry Boat Insurance in Mississippi?

In Mississippi, there is no legal requirement to carry boat insurance for all boat owners. However, it’s important to note that while boat insurance is not mandatory by state law, certain circumstances may still require insurance coverage.


 If you financed your boat purchase through a lender, they may require you to carry boat insurance as a condition of the loan. The lender wants to protect their investment in case of damage or loss to the boat.

Marinas and Harbors

Some marinas and harbors may have specific insurance requirements for boat owners who wish to dock their vessels. They may mandate liability coverage to ensure that all boats in the marina have sufficient protection.

Personal Liability Protection

While not legally required, it is highly recommended to have liability coverage for your boat. Accidents can happen on the water, and if you are found responsible for causing injury or property damage, liability insurance can help protect you financially by covering legal expenses, medical bills, or property repairs.

While you are not required by law to carry boat insurance in the state of Mississippi, it can still be beneficial to you to do so. If you are looking for a boat insurance policy in the greater Flowood, MS area, contact Insurance Protection Specialists to get help obtaining a new policy.