Navigating Rhode Island waters—whether along Narragansett Bay or inland lakes—comes with risks. Standard homeowners policies rarely cover boats, and auto policies don’t apply. Rhode Island Personal Boat Insurance offers essential protection, covering physical damage, liability, and more. At Segreve & Hall, we tailor policies to match your vessel, usage, and coastal or inland lifestyle—so you can enjoy the water with confidence.
Rhode Island Personal Boat Insurance That Keeps Your Adventures Afloat
Trusted by Businesses for 30+ years 
Comprehensive Protection on Water and Land
Coverage for your boat, trailer, equipment, and liability
Rhode Island boaters should consider coverage for:
- Damage to your vessel, engine, and trailer
- Theft, fire, vandalism, and wind-related loss
- Liability coverage for bodily injury or property damage
- Medical payments for yourself and passengers
- Fuel spill or wreck removal costs
This ensures you’re protected whether your boat is docked, in transport, or on the open water.
Compliance with Rhode Island Boating Regulations
Meet state registration and coverage requirements
Rhode Island law requires boaters to register vessels and carry insurance with minimum liability limits of $25,000 per person, $50,000 per accident, and $25,000 in property damage liability when operating a motorized boat. You must show proof of insurance upon request by law enforcement while on the water. Segreve & Hall ensures your policy meets these legal requirements and any marina or lender mandate
Local Expertise for Ocean and Lake Boaters
Insurance that fits your boating habits and local needs
Whether you’re sailing off Newport, fishing Narragansett Bay, or exploring inland lakes, we help you choose coverage that matches your boating style. We consider:
- Type of vessel (powerboat, sailboat, PWC)
- Storage location (dock, dry stack, trailer)
- Frequency and location of use (coastal vs inland)
- Boating safety certification status
Many insurers offer discounts for Rhode Island DEM-approved safety course completion through programs overseen by the Rhode Island Department of Environmental Management
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From Our Clients
It was a pleasure working with my agent Finn Collins. I recently switched my Auto and Home/Umbrella Insurance over and he made the transition smooth and seamless. He was fast with the quotes and very responsive in getting the new policies set up.
I had a fantastic experience working with the Segreve & Hall team. As I was preparing for an interstate move, Paulo Botelho and the rest of the team were all incredibly helpful in quoting and starting new auto and renters policies. They went above and beyond to make this step of the moving process smooth and seamless. I'm very happy with the policies/prices we landed on, and I cannot recommend the team highly enough!
I worked with Paulo Botelho of Segreve & Hall on obtaining insurance for a new seasonal residence in Maine. Paul was very knowledgeable, efficient, very easy to work with and I was able to quickly obtain excellent coverage at a premium much lower than I expected. I highly recommend Paulo and his firm.
I worked with Hunter and Adam on getting health insurance last minute. I was unaware I’d lose coverage when I turned 26 and was desperate for help. They made the process simple for me and I had no gap in coverage. I look forward to working with them in the future for my other insurance needs.
Great communication from them. Always answer all my questions promptly and are great to work with.
I had an exceptional experience working with Hunter and his amazing team, Adam and Michael. From the very first consultation, Hunter took the time to thoroughly understand my needs and explained all my options with clarity and patience. His professionalism, expertise, and genuine care made the entire process smooth and stress-free.Thanks to Hunter and his team, I now have a comprehensive life insurance plan that gives me peace of mind for the future. I highly recommend them to anyone seeking trustworthy, knowledgeable, and caring insurance professionals. Five stars.
Paulo is so very helpful with everything we have needed so far. He even had to re-route our policy from an old address and did that without a problem. Very smooth transition from our former agency. Thank you Paulo!
I was looking for both flood and homeowner's insurance for my first home with my fiance, and a client connected me with Michael Segreve. I worked with Michael Brandolini to get both homeowner's insurance and and flood insurance, as well as a new auto policy. Michael was extremely helpful and prompt, and a great communicator. I strongly recommend Segreve and Hall, specifically Michael Brandolini for insurance needs!
Great staff , Communication on point, Very helpfulHighly recommend this agents.
They have helped me and I'm satisfied beyond measure they are really good for me
I recently turned 26 and needed to find my own health insurance for the first time. I worked with Hunter, who made the entire process incredibly smooth and stress-free. He took the time to explain my options clearly and helped me enroll in a Tufts plan that fits my needs perfectly. What I expected to be a confusing and overwhelming experience turned out to be simple and straightforward, thanks to Hunter and the Segrave & Hall Team. I’m so grateful for their support and highly recommend their services!
Tom has been a pleasure to work with and secured me a good rate on home insurance. Great experience.
Our agent Geoffrey paid attention to our needs and got us what we wanted and looked at diferante option to get us the best rate possible
Recently switched over my auto insurance. My agent, Fionbarra Collins, saved me a lot of money from what I was previously paying. Highly recommend giving them a shot!
These guys are the real deal !A pleasure to work with and they really care about making life easier for everyone!Great work boys !
I had a great experience working with Paulo, He helped me to decrease the price of my home insurance.
They got me a really good quote in a short amount of time. I would definitely recommend Segreve & Hall
Thomas and Sean are awesome they have been instrumental in the success of my business!
Brian was great with talking me through my first homeowners policy. He found us a great rate and executed a seamless closing with our mortgage broker. Will be looking into more policies with Segreve & Hall in the future.
Frequently asked questions
Is boat insurance mandatory in Rhode Island?
Yes. For motorized vessels, Rhode Island law mandates liability insurance with minimum coverage of $25,000 per person, $50,000 per accident, and $25,000 property damage. You must also carry proof of your policy while operating the vessel. Other types of watercraft or recreational vessels may be exempt depending on registration status.
Does homeowners insurance cover my boat in Rhode Island?
Typically not. Homeowners or renters policies usually offer limited coverage for smaller boats (e.g., under 26 feet or low value), and they don’t include liability protection. Dedicated boat insurance provides broader, more reliable protection tailored for watercraft.
Can I save on boat insurance premiums in Rhode Island?
Yes. You may qualify for discounts by:
- Completing an RI-approved boating safety course
- Handling proper maintenance and safety equipment
- Bundling boat insurance with home or auto policies
- Demonstrating low usage or off-season storage patterns
Our agents help identify savings opportunities based on your situation.
