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Compare boat insurance agents in Lincoln. Review contact information and insurance categorys before you decide.
6 agents listed
Updated May 2026
Lincoln, RI
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 Rhode Island before hiring.
Showing 6 boat insurance agents in Lincoln, RI
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
The Lawrence Agency
872 Smithfield Ave, Lincoln, RI 02865
(401) 726-3210
lawrenceagencyinc.com
Amica Mutual Insurance Company
10 Amica Center Blvd, Lincoln, RI 02865
(800) 622-6422
amica.com
Amica Mutual Insurance Company
100 Amica Way, Lincoln, RI 02865
(800) 242-6422
amica.com
Blais Insurance
1 Walker St, Lincoln, RI 02865
(401) 725-0070
blaisinsurance.com
Farmers Insurance - Matthew Gilson
132 Old River Rd STE 203, Lincoln, RI 02865
(401) 270-2247
agents.farmers.com
MetLife Auto & Home, part of Farmers Insurance Group
132 Old River Rd Suite 203, Lincoln, RI 02865
(401) 270-2247
facebook.com
Boat insurance agents in Lincoln, Rhode Island help you protect your watercraft with policies that meet state requirements. Rhode Island law does not mandate boat insurance for most vessels, but marinas and lenders often require liability coverage. Local agents can guide you through options for liability, collision, and comprehensive coverage tailored to Narragansett Bay and inland waters.
What Does a Boat Insurance Agent in Lincoln Cost?
Boat insurance costs in Rhode Island vary widely based on boat value, type, and usage. For a typical 20-foot runabout, annual premiums range from 300 to 600 dollars. Larger vessels or those used in saltwater may cost 800 to 1,500 dollars per year. Factors like your boating record, storage location, and coverage limits also affect price. This is general information, 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
Is boat insurance required in Rhode Island?
Rhode Island does not require boat insurance for most recreational vessels. However, if you have a loan on your boat, your lender will likely require coverage. Also, many marinas in Lincoln and across the state require proof of liability insurance to dock or store your boat.
What does boat insurance typically cover in Rhode Island?
Standard boat insurance policies cover physical damage to your vessel, liability for injuries or damage to others, and medical payments. In Rhode Island, you can also add coverage for uninsured boaters, wreckage removal, and towing. Policies often exclude wear and tear or gradual deterioration.
How do I choose a boat insurance agent in Lincoln?
Look for an agent who specializes in marine insurance and is familiar with Rhode Island waterways. Ask about their experience with local risks such as storms, ice damage, and navigation on the Blackstone River. Compare quotes from multiple agents to find a policy that fits your boat type and usage.
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Notice
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 Rhode Island.