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 you and your passengers well-being as well as your craft.

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, our team can help ensure you have the coverage you need. Plus, boat insurance may differ depending on the type of craft you own. 

Boat Insurance Coverage You Will Want:

Liability Trailer coverage
Physical damage Boat covers
Theft Docking fenders
Medical payments Communications devices
Motor coverage

It's likely 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:

Collision Malicious mischief
Sinking Vandalism

You may also want to make sure your boat policy covers physical damage to:

Hull Furnishings
Sails Most on-board equipment
Machinery Boat trailer for damage from 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. We can help you confirm that your policy provides coverage in and out of the US, regardless of the body of water.