Boating Insurance

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Is Your Boating Insurance Seaworthy?

Is Your Boating Insurance Seaworthy?

Getting out on the water in your watercraft can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks.  Boat insurance is purchased to help protect your boat or other personal watercraft investment. So if you travel across lakes, rivers, or ocean waters we can help protect you and your investment. Whether you're looking for a new boat insurance policy or just to save money on an existing policy, we can get you started with a free boat insurance quote.

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

Does Homeowners Insurance Cover Your Boat?

Oftentimes homeowners policies can have some sort of coverage for boats or other personal watercraft.  The fact is homeowners insurance is not designed to provide comprehensive coverage for boats or boating liability risks.  Homeowners' policies usually place numerous restrictions on boat owners, depending on the size, horsepower, and amount of damage covered, leaving you severely underinsured.   

In other words, if you don't carry boat insurance and own a boat you are more than likely at risk.

Boat Insurance: What's Covered

Typical coverages should include:

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

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

  • Runabout
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat

Boat Insurance Discounts

Boat Insurance Discounts

Having a boat should be fun.  We make sure you get maximum enjoyment out owning a boat or personal watercraft by working with carriers who provide boat insurance discounts.  Here are a few ways you may be able to save:

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Pay 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 provide you with a quote from our trusted insurance carriers.  Give us a call today or click “request a quote” to get started.