Boating Insurance

Getting out on the water in your boat, jet ski, or other watercraft is likely one of your favorite places to be. But owning a boat can increase liability risks (even when you’re on dry land.)

Does homeowner's insurance cover your boat?

… Maybe, if it’s just parked out in your driveway.

The fact is, homeowner’s policies usually place numerous restrictions on boat owners depending on the size, horsepower, and damage coverage you expect.

In other words, if you don’t carry a specific boat insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage or sink, or a guest causes an accident.

What’s insurance for, anyway?

Keep in mind that you can’t buy insurance after you have an accident. That means you should think carefully about the position you want to be in if you’re ever in an accident, or spring a leak.

That means you should think of your boat insurance as a shield.

Now, imagine someone driving their boat right into that shield.

Will it hold?

Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost.

That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to.

And that’s just one reason you should consider talking to a real person at our local office, instead of a telephone salesperson working for a cartoon reptile.

What boat insurance covers—and what’s optional...

The most important thing we cover are the things that are important to you. Typical coverages should include:

Personal liability
Boat
Motor
Trailer
Medical and physical damage perils

And we provide insurance for the following types of boats and personal watercraft:

Runabout
Mini Jet Boat
Sailboat
Pontoon
House Boat
Cabin Cruiser
Other Fishing Boat
Bass Boat
Many others, let’s talk

Boat insurance discounts spoken here

We also work with carriers who provide multiple boat insurance discounts, which reduces the cost but gives you the exact same high-quality coverage. Here are just a few ways you may be able to save, including if you …

Own your home
Have idle assisted steering installed
Insure multiple vessels
Bundle other kinds of insurance
Are the original owner
Paid your policy in full each year
Have a clean automobile driving record
Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Contact Us

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…
While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.
There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.
We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.
Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.