Is there a difference between boat insurance and yacht insurance?

There is no hard-fast rule that defines the difference between a boat and a yacht. Generally speaking, a boat is usually less than 30 feet long. A yacht is always a pleasure craft even if it is rented out for hire, whereas a boat can be used for recreation or for business efforts, such as commercial fishing. A ship can carry a boat, but a boat cannot carry a ship. 

If you tell a yacht owner you like his or her boat, they might be insulted. This is because yachts are very expensive and cost much more than a smaller pleasure boat.

There are significant differences between the types of insurance available from ALLConnecticut Insurance serving West Hartford, CT for different types of watercraft depending on its size, its value, and what activities it is used for.

Boat and Yacht Insurance Checklist

Here are some things to consider when insuring your watercraft:

  • Where will the boat or yacht be moored?
  • Will it be a supervised mooring or unsupervised?
  • Will it be fitted with an alarm and a GPS anti-theft device?
  • Will it stay in the water all year long, or only be used seasonally?
  • Will it be used for any commercial purpose, including charging for boat rides, commercial fishing, or renting it out?
  • What does its replacement cost?
  • What upgrades have been made? Yachts typically have designer finishes, expensive fittings, and may have things like fine artwork that needs special insurance coverage.
  • Is all the necessary safety gear on board and kept in good working condition?


It is important to insure your prize possession of a pleasure boat, commercial boat, or yacht adequately. Even if moored properly, severe weather can suddenly come up that damages it, while it is docked.

Contact ALLConnecticut Insurance in West Hartford, CT, to make sure you have the right kind of boat or yacht insurance coverage. Call (860) 232-7076 or (888) ALL-CONN.