A. If you are a first-time boat owner, it is possible that you will pay more for boat insurance than an experienced owner with a comparable vessel. Boating experience is just one of the factors that are incorporated into ratings. If you have little to no prior boating experience, it is difficult for a carrier to judge your ability to safely operate the vessel.

We recommend that all owners, especially first-time boat owners, complete a Boating Safety course. This will help demonstrate your ability as a safe boater and can potentially mitigate the increase in rates.