Boating Insurance

Is your boating insurance seaworthy?

Accidents happen – even on the water.  A Boat Insurance policy covers your boat and its motor against potential loss.  In addition, the policy can extend protection to equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is available.

Liability insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident.  Optional coverages include bodily injury, property damage, medical payments and guest passenger liability.

Getting out on the water in your watercraft can be a wonderful escape but having fun on the water can increase liability risks.

Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.

Does homeowners insurance cover your boat?

The fact is, homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.

In other words, if you don't carry a boat insurance policy, you may be underinsured.

Boat Insurance: what's covered

Typical coverages includes:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

We also provide insurance for the following types of boats and personal watercraft:

  • Bass Boat
  • Cabin Cruiser
  • House Boat
  • Mini Jet Boat
  • Pontoon
  • Runabout
  • Sailboat
  • Yacht

Boat Insurance Discounts Available:

  • Own your home
  • Idle assisted steering installed
  • Insure multiple vessels
  • Bundle other types of insurance
  • Original owner
  • Pay your policy in full each year
  • Clean automobile driving record
  • Safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy is to call and discuss the protection you will need.

Why we're different

Not all insurance products are similar in price and function, that’s why it’s important to customize a portfolio to fit your specific needs.