Boat Insurance

Getting out on the water in your watercraft can be a wonderful escape but having fun on the water can increase liability risks. Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.

Is your boating insurance seaworthy?

Accidents happen – even on the water.  A Boat Insurance policy covers your boat and its motor against potential loss.  In addition, the policy can extend protection to equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Coverage for fishing equipment and personal property is available.

Liability insurance can help pay for medical expenses or legal costs if you’re at fault in a boating accident.  Optional coverages include bodily injury, property damage, medical payments and guest passenger liability.

Does homeowners insurance cover your boat?

Does homeowners insurance cover your boat?

The fact is, homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.

In other words, if you don't carry a boat insurance policy, you may be underinsured.

What's covered with a boat policy?

Typical coverages include:

Personal Liability Coverage

Coverage for damage to another’s personal property.


Coverage for damage to the boat, on water or land, following an accident or for theft of the boat.


Coverage for damage or theft to the boat trailer.

Medical Payments

Coverage for medical expenses for you or your passengers following an accident on the boat.

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

  • Bass Boat
  • Cabin Cruiser
  • House Boat
  • Mini Jet Boat
  • Pontoon
  • Runabout
  • Sailboat
  • Yacht
Boat Insurance Discounts Available:

Boat Insurance Discounts Available:

  • Own your home
  • Idle assisted steering installed
  • Insure multiple vessels
  • Bundle other types of insurance
  • Original owner
  • Pay your policy in full each year
  • Clean automobile driving record
  • Safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy is to call and discuss the protection you will need.

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.

Contact us today, and we'll help you protect what matters most.

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