Boat Insurance

Is your boating insurance seaworthy?

Getting out on the water in your watercraft is can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks.

Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.

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.

Boat Insurance: what's covered

Typical coverages should include:

• Personal liability

• Boat

• Motor

• Trailer

• Medical and physical damage perils

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

• Runabout

• Mini Jet Boat

• Sailboat

• Pontoon

• House Boat

• Cabin Cruiser

• Other Fishing Boat

• Bass Boat

Boat insurance discounts spoken here

We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:

• Own your home

• Have idle assisted steering installed

• Insure multiple vessels

• Bundle other kinds of insurance

• Are the original owner

• Pay your policy in full each year

• Have a clean automobile driving record

• Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.