Boating Insurance

What floats your boat?

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.)

Let’s make sure your “financial boat” doesn't sink should you hit any unforeseen crosswinds or rough water.  Consider your boat insurance as a shield.

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.

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 discuss your protection options, recommend appropriate coverage and review discounts you may be eligible for.

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
  • Fishing Boat
  • Bass Boat
  • Jet Ski
  • 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
  • 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.

Why We're Different

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.

We’re your neighbors.  That means we 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 our agents help you protect the things you care about most.


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