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Is Boat Insurance Required in NJ? The main difference between boat insurance and homeowner's or auto policies is that that is is not required in New Jersey. It's not a smart move to take your boat out on the water uninsured, but unlike automobiles, not every state mandates that you carry coverage for your boat.What are boats used for?
Fishing boats vary widely in style partly to match local conditions. Pleasure craft used in recreational boating include ski boats, pontoon boats, and sailboats. House boats may be used for vacationing or long-term residence. Lighters are used to convey cargo to and from large ships unable to get close to shore.