Understanding Boat Insurance


There is nothing better than being out in your own boat on the open water. However, practicing safe boating and having the right insurance policy is critical to your well-being, passengers and your craft.

Many states now require boat owners to have boat insurance. If you have a loan on your boat or use a marina, you may also be required to have boat insurance.

Boat insurance is similar to your car insurance and can help protect you in the same way. As with car insurance, this policy protects you against liability and damage in the event of an accident. However, since boats have different features than your car, make sure your insurance company includes the coverage you need. Plus, boat insurance may differ depending on the type of craft you own. Each policy provides detail on what is covered and what is excluded.

Boat Insurance Coverage You Will Want:

  • liability
  • physical damage
  • medical payments
  • motor coverage
  • trailer coverage
  • boat covers
  • docking fenders
  • communications devices
  • It's likely that your boat is docked some place other than your backyard. Regardless of where you store your boat, make sure your policy covers you from damage caused by;

  • a collision
  • sinking
  • an accident
  • malicious mischief
  • vandalism
  • Also, make sure your boat policy covers physical damage to:

  • the hull
  • sails
  • machinery
  • furnishings
  • most on-board equipment
  • boat trailer for damage from an external cause

Make sure your boat insurance coverage travels with you

Some insurance companies limit where you can go with your watercraft and still be covered, or they charge you extra if you travel. Confirm that your policy provides coverage in and out of the US, regardless of the body of water. If the policy does not provide the necessary coverage, make sure to add it for your trip out of the country.

insurance overview


Exploring your insurance options?

You are at the right place! Whether you’re shopping for business insurance, home insurance, auto insurance, medicare supplement, health insurance or life insurance, we can help get you the best coverage available. Take a few minutes to explore our site to learn about the types of coverage we provide and the educational resources we offer, and then contact us to discuss how we can meet your unique needs.

Importance of Annual Insurance Reviews.

Most people know the importance of insurance protection. You don't want to be without it when problems arise. What many don't realize, however, is that protecting themselves with insurance isn't a once and done event. You don't wear the same pants you did when you were five years old because, besides no longer being in style, they simply don't fit. A homeowner's insurance policy purchased when your house was furnished with bean bag chairs and bar stools is no longer going to "fit" once you're lounging on Italian leather sofas while watching television on your wall mounted plasma screen. Life is constantly changing, and your insurance policies should reflect that.

Freedom of Choice.

Captive agents and direct writers provide you with just one company’s insurance products, but an independent insurance agent can provide you with options from multiple insurance companies. This allows your independent agent to review offerings from different companies — many of which are only available to you through independent agents — and help you find an insurance provider that best fits your mix of coverage, price, and service needs.

Independent Agents representing YOU.

An independent insurance agent is authorized to sell several companies’ insurance products, but ultimately your agent represents you — not those companies. That means you have someone on your side and ready to ‘go to bat’ for you in the event of an insurance question or dispute. It also means you have a person who is regularly looking out for your insurance needs – which may change over time, and who can find a new insurance provider for you if your current provider is no longer the best fit.