Boat Insurance

Boat Insurance

How much you will have to pay for it will depend on the size, type, value of the craft and the water in which you use it. Our agency, experienced in boat and watercraft insurance, allows us to provide the knowledge, expertise and personal service you would expect from an industry leader. Our insurance specialists will help you select an insurance plan that best fits your requirements.

Finding the right insurance plan for your boat couldn’t be easier! Simply fill out our no-obligation Quote Form, or call us now.

A boat owners policy can insure you against most risks of owning and operating your boat, its motor and its trailer.

  • Sinking
  • Fire
  • Storms
  • Theft
  • Capsizing
  • Stranding
  • Collision
  • Explosion

The property covered could include equipment permanently attached to the boat as well such as:

  • Oars
  • Electric Trolling Motors
  • Extra Fuel Tanks
  • Tools Detachable canopies
  • Seat cushions
  • Life Preservers
  • Skis and their tow ropes
  • Dinghies

Find business owners insurance that is right for your workplace

  • Auto repair and lube shops
  • Delis and coffee shops
  • Motels and hotels
  • Medical, dental and veterinarian offices
  • Service shops, such as dry cleaners and funeral homes
  • Retail florists and clothing stores
  • Wholesale barber and beauty suppliers
  • Strip shopping centers

It can also protect you against liability lawsuits, should you injure someone with your boat or damage their property.

Liability coverage includes:

Watercraft liability coverage provides protection for legal liability because of an accident resulting from the ownership, maintenance, or use of your watercraft, including bodily injury, property damage and legal defense.

Watercraft medical payments coverage pays medical expenses up to the limits in the policy for you, your resident relatives and other occupants of the boat injured by an accident arising out of the ownership, maintenance, or use of the watercraft.


Additional coverages include those for:

Emergency Service

Need a tow? $100 of Emergency Service coverage is automatically included with any boat insurance policy that has Physical Damage coverage.

It can also cover labor costs at the place you breakdown for a mechanic, or to have fuel, oil, or a battery delivered. If you want to raise the limit to $500 or $1,000, you can add that extra coverage to your policy.

Wreck Removal

If your personal watercraft is destroyed, raising, removing, or destruction of the boat will typically be covered-up to an additional 5 percent of your Physical Damage coverage limit.

Personal Effects

They aren’t technically considered boating equipment, but don’t your water skis, fishing gear and other things like that deserve to be covered? We think so.

Keep in mind that Personal Effects coverage doesn’t cover money and valuables, animals, boats or other boat equipment, contact lenses, or prosthetics. It also excludes things that are covered by insurance in some other way (as part of this policy or a different one). Talk to your agent to find out what this coverage takes care of.

Make sure to ask your agent these questions:

  • Are my trailer and boating supplies covered?
  • Do I get discounts for completing boating safety courses? Which ones?
  • Am I covered for both inland and ocean boating?
  • Are there any unique exclusions or exceptions in my state/area?
  • Are younger operators covered?
  • Will I receive the actual cash value or replacement cost if my boat is totaled?
  • What payment options are available?
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