BOAT INSURANCE

There are several different types of coverages that you can purchase with a boat insurance policy:

• Liability coverage, also called Bodily Injury and Property Damage (BI/PD), helps cover injuries to others and damage to their property if you're found responsible for an accident. It also covers the substantial costs of salvage recovery if your boat sinks.
• On-Water Towing is available if your vessel becomes disabled and requires assistance returning to shore. In many cases, this service is provided at no cost to the boat owner.
• Comprehensive coverage covers damage to your vessel from wind, hail, hurricanes, theft, vandalism, and other non-collision incidents, ensuring protection against a wide range of risks.
• Personal Effects coverage can be added to protect the belongings you bring aboard your boat, such as fishing gear, navigational equipment, portable speakers, cellphones, SCUBA gear, and more.

While only a few states require boat insurance by law, having coverage is still essential. Even if you're not worried about damage to your boat, operating a vessel comes with significant liability risks. If someone is injured on your boat or due to your actions while operating it, you could face legal and financial consequences without sufficient insurance to protect your personal assets.

Several factors influence the cost of boat insurance, including where you primarily operate your vessel, your age and marital status, the type and horsepower of your boat, homeownership status, and even your credit score. To get an accurate premium estimate, consult a licensed agent in our office for quotes from leading insurance providers.

Our licensed team is here to assist you in obtaining multiple boat insurance quotes. As an independent insurance agency, we compare options from multiple providers to help you find the best coverage at the best price.