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Boat Insurance

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

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.

Does homeowners insurance cover your boat?

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.

What's covered with a boat policy?

Typical coverages include:


Personal Liability Coverage

Coverage to protect you financially if you’re legally responsible for bodily injury or property damage that results from accidents while operating your boat.


Boat

Coverage for damage to the boat, on water or land, following an accident or for theft of the boat.


Trailer

Coverage for damage or theft to the boat trailer.


Medical Payments

Coverage for medical expenses for you or your passengers following an accident on the boat.


Guest Passenger Liability

Liability coverage that provides protection in the event that someone else is piloting the boat and causes an accident.


Trailer

Coverage for damage or theft to the boat trailer.

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:

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.