One of the most frequently asked questions in the insurance world is whether or not boat insurance is required. Well, for most states it is not required. Most states do, however, require that your boat gets registered every year just like you would do with a car. This ensures that your boat is properly running and also funds a lot of lake and ocean programs that keep your waters fresh and clean. With that being said, boat insurance is not required but it is certainly recommended.The first reason you might want to consider getting boast insurance is because accidents do happen. The types of accidents that happen in the water are not like the types that happen when you are in a car. Most people never actually run into another boat, have to exchange insurance information and call the local police to boat out to where it happened. Boat accidents occur when people allow their young children to drive or when people get hurt while boating.Boating insurance can help with those sorts of things. Boat insurance will also protect the value of your boat against natural disasters like hurricanes and large swells that damage and sometimes destroy your boat.You may also want to get boating insurance for reasons of theft. If you own a very nice boat with very nice things inside of it, you are at a much higher risk of being stolen from. Getting boat insurance can help with the things that are lost during a theft.Boating insurance is not mandatory, but it may be something you want to consider.