Boat Insurance

Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

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.

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.

What’s insurance for, anyway?

Keep in mind that you can’t buy insurance after you have an accident. That means you should think carefully about the position you want to be in if you’re ever in an accident, or spring a leak.

That means you should think of your boat insurance as a shield.

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 different options and limits then check to see that you receive the discounts you’re entitled to.

And that’s just one reason you should consider talking to a real person at our local office, instead of a telephone salesperson working for a cartoon reptile.

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:

  • Center Consoles
  • Ski Boats
  • Runabouts
  • Sailboats
  • Pontoons
  • House Boats
  • Cabin Cruisers
  • Jet Skies
  • Jet Boats
  • Bass Boats
  • Other Fishing Boats
  • 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
  • Have idle assisted steering installed
  • 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 various options to lower the cost of boat insurance, however, the most accurate way to select the ideal plan for your situation is to have a discussion about your requirements and the level of coverage needed to insure your income and assets.

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 when it comes to your business.

We’re your neighbors. We help protect businesses and people we know and care about, and that means we try to look for ways to offer a better experience, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge a strong shield to help you protect the things you are working hard to build.