Boat / Personal Watercraft Insurance
Your coverage options
As your Independent Insurance Agent, we can tailor your policy to fit your needs and budget.
Protecting yourself
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Liability : If someone is hurt or their property is damaged in an accident, your liability limits will help pay for covered damages and expenses, including court costs if you are sued
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Medical Payments Protection : For accident related medical expenses up to the policy limits for anyone injured while in your boat, regardless of who's at fault.
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Uninsured/Underinsured Motorists : If you're injured in an accident caused by someone with minimal or no insurance, your Uninsured/Underinsured Motorists coverage will protect you and any passengers in your boat up to your policy limit.
Protecting your car
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Collision : This coverage protects your boat if it's damaged from hitting another boater or object.
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Comprehensive : This coverage protects your boat from theft, vandalism, fire, or severe weather events such as windstorms, hail or flood.
How your deductible works
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A boat insurance deductible is what you pay out of pocket to repair your boat if you have an accident or claim.
For example, if you have a $500 deductible and $2,000 in repair costs, you'll pay $500 and your insurance company will pay the remaining $1,500.
You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires a greater out-of-pocket expense should you have an accident.


Looking for Boat Insurance Discounts?

If you bundle your policies you receive a discount, but there is so much more than bundling...
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Paperless or E-Documents
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Paid in Full
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Automatic Payments
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Advanced Quote
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Continuous Insurance
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Safe Driver
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Claims Free
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Violation Free
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Boat Safety Course
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Boat License
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The more policies you bundle, the more you save!
Making the process easier
Total Loss Replacement : If you purchase this additional protection, your boat will be replaced with a brand new one of similar make & quality.
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Sign & Glide Coverage : Help comes to you if you're stranded on the water and need fuel, a jump or tow with no out of pocket costs!
Replacement Cost Personal Effects : If you purchase this additional coverage, your personal items such as cameras, clothes, cell phones etc are protected while on your covered boat.