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.

What every boat owner needs to know about liability insurance

When it comes to boat insurance, boat owners  in the Flowood, MS area can depend on the team at Insurance Protection Specialists. Owning a boat is a whole lot of fun, but it’s also a big responsibility. If you want to make sure you’re protected, we can help you find the most appropriate boat insurance policy for your needs. Call or stop by today!

What to know about liability coverage when it comes to boat insurance

Like most states, Mississippi requires that boat owners carry a certain level of insurance. This regulation is a great way to encourage responsible boat ownership and make sure that everyone is protected. However, it is often not enough to simply have a policy that offers the minimum level of protection.

When your policy provides a robust level of liability coverage, you can protect yourself in a variety of different scenarios. For instance, if you are involved in an accident where there are injuries, you will want to have adequate coverage. This is also the case if your craft is in an incident where there is loss or property damage. Without the right level of protection, you can be held financially responsible for losses and damages. It makes sense to carry the right amount of liability protection.

Protect your boat with the right insurance policy

The folks at Insurance Protection Specialists are here to help boat owners in the greater Flowood, MS community to get the protection they need. If you’re considering buying a boat soon, or you want to review your current policy with a local agent, we are here to help. Contact our office to set up an appointment, or stop by to talk to an agent to learn more. We look forward to working with you!

How Boat Insurance Protects You

Getting boat insurance is a must if you own any type of boat. The specific policy that you get will have a number of specific considerations such as the boat’s type, how often it is used, which waters it will travel, etc. But, there are two types of coverage that you can expect to have in your policy regardless of the circumstances. If you need boat insurance, give us a call today at Insurance Protection Specialists in Flowood, MS.

Damage to Your Boat

Boat insurance wouldn’t be helpful if it didn’t assist you with repairs after your boat has been damaged. There are many ways that a boat can become damaged, and many of them are covered by boat insurance. In addition to the boat as a whole being covered, there are certain components that are also covered by boat policies. If one of these is damaged in an accident or disaster, insurance can pay to repair or replace them. 

Liability for Accidents

A boat that strikes or collides with something can cause a number of problems, and they’re all expensive. Your boat may cause physical injury to one or more people, or it may cause property damage to boats, docks and other items. With your boat insurance policy, these damages can be paid for by the policy instead of your having to pay for them from your pocket. The payment from insurance can include medical bills, repair bills and even legal costs for the case. 

Get Covered by Boat Insurance

When you have a boat, and it isn’t covered by a boat policy, it’s time to get insurance protection for that boat. Give us a call today at Insurance Protection Specialists in Flowood, MS.

Three things to do before you purchase a boat insurance policy

It’s vital to purchase boat insurance to protect the investment you make in your boat. We can help you find coverage for your boat in Flowood, MS at Insurance Protection Specialists. 

The following are three things to do before you purchase a boat insurance policy.

Find out what types of coverage you need.

Before you purchase any insurance policy, it’s crucial to explore coverage types and to determine what your coverage needs are. Your coverage needs to depend on factors like the value of your boat, the kind of boat you own, and the areas where you use your boat.

Make sure you explore all these factors to find a boat insurance policy closely tailored to your unique needs. 

Get a few quotes

Whenever you purchase a boat insurance policy, you should shop around. Get quotes from multiple insurance providers before selecting one. This allows you to evaluate your options and make an informed decision on which policy you choose. 

Carefully research policy details

Don’t overlook the fine print. Consumers purchase insurance policies too often that they don’t research enough and don’t understand fully. Read through your policy details. Make sure you ask a representative from your insurance provider any questions you have regarding your policy.

Don’t purchase any boat insurance policy until you’re sure that you fully understand both its coverage offerings and its limitations. This will save you from unpleasant surprises if you have to file a claim down the road. 

Putting careful research and consideration into your selection of a boat insurance policy is important. We can help with that at Insurance Protection Specialists. Contact us if you’re looking for an appropriate boat insurance option in Flowood, MS.