Boating Insurance

Boat insurance is crucial for a safe and worry-free time on the water. Whether you're on calm lakes or in open waters, the unpredictable nature of the water brings inherent risks. Having insurance helps protect you from unexpected challenges, ensuring you can enjoy your boating adventures with peace of mind. 

Setting sail on your watercraft can provide the ultimate escape from the daily grind. But remember, the thrill of the open water comes with its own set of financial tides and turns. Is your boating insurance as seaworthy as your vessel? Don't let unexpected waves capsize your financial security. Let's ensure your "financial boat" stays afloat, no matter how rough the waters may get. Our independent insurance agents can help you navigate the waters of boating insurance.

Let's begin with something simple: Does your homeowners insurance include your boat?
It’s most likely that your homeowner’s policy has restrictions on any coverage that might include your boat. These restrictions depend on the size and horsepower of your boat. To ensure proper coverage of a boat, it’s best to have a separate policy.

When it comes to boat insurance, a typical policy would include:

  • Collision damage: Covers the repair or replacement of your boat.
  • Property damage liability: Covers damage to someone else's boat, property, or structures that you might cause.
  • Bodily injury liability: Covers costs if you accidentally cause injuries to someone while on the boat.
  • Comprehensive: Covers if your boat faces vandalism or theft.
  • Additional coverage options: Possible coverage including medical payments, protection for fishing equipment, oil spills, or roadside assistance.

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

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • Houseboat
  • Cabin Cruiser
  • Bass Boat or Other Fishing Boat

How to save on boat insurance
We partner with insurers that offer discounts on boat insurance. Check out some potential savings options:

  • Be a homeowner.
  • Install idle-assisted steering.
  • Insure multiple boats.
  • Bundle with other insurance policies.
  • Be the original owner.
  • Pay your annual policy in full.
  • Maintain a clean driving record for your car.
  • Obtain a safety course certification.

There are additional ways to save on boat insurance. To find the best policy, discuss your needs with your independent insurance agent today.

What’s different about working with us?
You may think you want the cheapest insurance you can find, but cheap isn't everything. Our independent insurance agents will explain when it's beneficial to adjust your coverage or policy. For your boat, there's no one-size-fits-all insurance policy. Just like your boat suits you, seek an insurance policy that suits your boat.

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