There’s nothing quite like boating in Maine.
From quiet mornings on Sebago Lake to summer days exploring Wells Harbor or sunset cruises along the coast near Ogunquit, being on the water here isn’t just recreation — it’s a way of life. But with that freedom comes responsibility. Weather can change fast, waters can get crowded, and unexpected mishaps can turn a relaxing day into a costly ordeal.
That’s why Sevigney Lyons Insurance Agency is here — to help you protect your watercraft, your passengers, and your peace of mind. As a local independent insurance agency based in Wells, we know the challenges Maine boat owners face. Whether you own a small fishing boat, a sleek powerboat, or a personal watercraft like a jet ski, we’ll help you find the best watercraft coverage in Maine — tailored to your lifestyle and budget.
Maine’s coastline stretches for more than 3,000 miles — longer than California’s. Add in thousands of lakes and rivers, and it’s no surprise that boating is one of the state’s favorite pastimes. But as any local will tell you, Maine’s beauty comes with unpredictable weather and unique risks.
From fog rolling in off the Atlantic to sudden storms inland, there are plenty of situations that can catch even experienced boaters off guard. And while many assume their homeowners or auto insurance might cover their watercraft, that’s rarely the case.
• Damage from storms, collisions, or sinking
• Liability if someone is injured or property is damaged
• Theft or vandalism while docked or in storage
• Expensive towing or emergency recovery costs
• Limited coverage for onboard gear or equipment
At Sevigney Lyons, we believe your boat deserves the same level of protection as your home or car — because for many of our clients, it’s their second home. We help Maine boaters understand their options, compare quotes, and find affordable coverage that keeps them protected all season long.
Boating brings joy, adventure, and connection — but it also involves risk. That’s why our watercraft insurance policies cover the things that matter most, both on and off the water.
If your boat or jet ski is damaged in an accident — whether it’s a collision with another vessel, hitting a submerged rock, or storm damage while docked — this coverage helps pay for repairs or replacement.
Accidents can happen in an instant. Liability coverage protects you if you’re responsible for injuries or property damage while operating your boat. It also covers legal fees, which can add up quickly.
Even minor boating accidents can lead to injuries. This coverage helps pay medical expenses for you, your passengers, or anyone injured onboard your vessel.
Unfortunately, not everyone on Maine’s waters carries proper insurance. This protects you if an uninsured boater causes damage or injury.
Boats often hold expensive gear — fishing equipment, electronics, life jackets, water skis, and more. Personal property coverage helps replace your belongings if they’re lost, stolen, or damaged.
If your boat breaks down on the water, runs out of fuel, or needs a tow back to shore, this coverage ensures you’re not stuck with a huge bill. It’s peace of mind when you’re miles from the marina.
If your boat sinks or leaks fuel, cleanup can be costly and required by law. This coverage helps cover environmental cleanup and recovery expenses.
At Sevigney Lyons Insurance, we make sure your policy fits your boat, your habits, and your lifestyle. No cookie-cutter coverage here — just smart, local guidance from people who understand Maine waters.
Whether your adventures happen on calm lakes or open ocean waves, we’ll make sure your vessel is properly covered. We insure all kinds of watercraft, including:
• Powerboats and speedboats
• Sailboats and catamarans
• Pontoon boats
• Jet skis and personal watercraft (PWCs)
• Fishing boats — freshwater and saltwater
• Cabin cruisers
• Yachts
• Canoes and kayaks
So whether you’re casting a line off Biddeford Pool or gliding across Kennebunkport’s harbor, we’ve got you covered.
Boat insurance in Maine can be surprisingly affordable. For many smaller or mid-sized boats, coverage might start at just $15–$50 per month, depending on the type, size, and value of your vessel.
Your premium depends on several factors, including:
• The type and age of your watercraft
• How and where it’s used (freshwater, saltwater, inland lakes, etc.)
• Boating experience and safety certifications
• Storage location (marina, mooring, trailer, or dry dock)
• Safety equipment onboard
• Desired coverage limits and deductibles
At Sevigney Lyons, we work with multiple top-rated insurance carriers to find the best coverage for your budget. We’ll walk you through every option so you know exactly what you’re paying for — and how to save.
You may qualify for discounts if you:
• Complete a boating safety course
• Bundle your boat, home, and auto policies
• Store your boat safely during the off-season
• Install safety or anti-theft devices
We don’t just quote policies — we help you understand them, making sure you get true value for every dollar you spend.
At Sevigney Lyons Insurance Agency, boating isn’t just something we insure — it’s something we live.
We’re Mainers ourselves, and we know that every boat, every trip, and every harbor tells a story. Our mission is to protect those stories.
Here’s why Maine boat owners trust us year after year:
1. Local Knowledge, Local Care
We’re right here in Wells, serving clients throughout southern Maine — from Kennebunk and Biddeford to Ogunquit and beyond. We understand the specific needs of Maine boaters: short seasons, harsh winters, and the importance of protecting vessels during storage months.
2. Independent Agency Advantage
We’re not tied to any one insurance company. That means we shop multiple carriers to find the best watercraft insurance coverage for your needs. Our only loyalty is to you — not the insurer.
3. Personalized Guidance
Our approach is simple: no jargon, no pressure, no confusion. We take time to listen, explain your options, and make recommendations based on what matters most to you.
4. Fast, Friendly Claims Support
If the unexpected happens, we’re here — not a call center across the country. We’ll help you navigate the claims process quickly, efficiently, and compassionately.
5. Built on Trust
We’ve been protecting Maine families and businesses for decades. Our reputation is built on honesty, transparency, and long-term relationships. You’ll never feel like “just another policyholder” here.
While Maine law doesn’t require boat insurance for most recreational watercraft, many marinas, lenders, and storage facilities do. Plus, coverage protects your investment from unexpected losses.
Homeowners policies may offer limited coverage for very small boats with low horsepower, but they won’t cover larger vessels or liability while on the water. That’s why a dedicated policy is essential.
Yes — comprehensive coverage protects against theft, fire, or damage while stored during the winter months.
Absolutely. You can add coverage for fishing equipment, electronics, life vests, and other onboard belongings.
Yes. We offer add-ons like towing, wreck removal, and fuel spill liability to keep you fully protected.
Whether you’re launching from Wells Harbor, exploring Kennebunk River, or anchoring off Ogunquit’s coast, boating in Maine is a joy unlike anywhere else. But it’s also unpredictable — storms, rocks, tides, and even other boaters can surprise you.
With Sevigney Lyons Insurance, you don’t have to navigate those risks alone. We’re here to help you feel secure every time you untie from the dock, knowing your watercraft — and your adventures — are fully protected.
We’ll help you design a policy that covers:
• On-water accidents and damage
• Theft and vandalism while docked
• Winter storage and trailering
• Marina liability requirements
• Passenger injuries and property damage
Your boat should bring you joy, not stress. We’ll make sure it stays that way.
When you’re on the water, you want to enjoy every moment — not worry about “what ifs.”
With Sevigney Lyons Insurance, you get the confidence that comes from having a local team watching your back. We’ll help you protect your watercraft, your passengers, and your passion for the water.
Whether you’re a weekend sailor in Kennebunk, a jet ski enthusiast in Ogunquit, or a lifelong fisherman from Biddeford, we’re here to help you navigate the best coverage options available.
Your next boating season starts with peace of mind.
• Call us: 207.646.8388
• Visit us: 1662 Post Road, Wells, Maine 04090
Let’s protect your adventures — together. Get a free Maine Watercraft Insurance Quote Today!
