There’s good news and not-so-good news when it comes to whether boaters in Amsterdam, NY, need to acquire the state’s water safety certificate before they can buy insurance. If you are wondering about this, speak with an agent at Kinowski Agency Inc. about boat/watercraft insurance. 

New York Requirements

If you plan to operate a motorized boat in New York, the state requires you to have a Boating Safety Certificate. The requirement took effect in 2025. New York does not require motorized watercraft owners to have insurance. The downside to not having boat insurance is that boaters who plan to make a stop or two at a marina may find they need to provide proof of insurance before being allowed to dock. Also, if you are leasing a boat and making payments, you may be required to have boat insurance that includes collision and comprehensive coverage.

Benefits of Boat/Watercraft Insurance and the Water Safety Course

Water Safety Course

When earning a water safety certificate, you may be eligible for a discount if you plan to get boat insurance. It also means you can avoid fines and penalties if you operate a boat without having the required state certificate.

With a safety course, you will learn techniques for the safe operation of your boat, which can help you avoid accidents.

Insurance for Amsterdam, NY, Boaters

Safety-wise, with many people enjoying the waterways, it can get crowded. Plus, some may be uninsured or underinsured, which means there is always the potential for an unexpected accident. With a boat insurance policy, you can cruise peacefully knowing you have protection. A policy helps keep your current and future finances protected against theft, damage, and liability. 

Contact Us

Take to the waterways knowing you’re protected with a policy from Kinowski Agency Inc. If you have any questions about insurance or New York’s Boating Safety Certificate, just call.