Boat Insurance

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insurance for boats Whether your boat is built for sailing, fishing, entertaining, or all of the above, it deserves special attention from an insurance agent who understands boat insurance, a.k.a. personal watercraft coverage (PWC). You should also work with an agency that has access to premier boat insurance companies with superior risk management and claims service offerings. Consider the following:

Boat Insurance Basics

In a nutshell, boat insurance is designed to cover your property, your personal liability for loss events occurring on the water, and damages caused by uninsured boaters. Your boat insurance premium is based on many factors—including size, horsepower, location of use, and frequency of use. Ask your agent about any special considerations you may have (e.g. year-round use, poker runs, racing, etc.). If you’re comparing two or more quotes, be sure you’re making an apples to apples comparison–meaning, are certain “standard” components, like emergency towing or haul-out services, included in both options?

Boat Insurance Coverage Features

Not all boat insurance programs are created equal. Depending on your needs, you may be looking for a policy that includes features like coverage for tenders, coverage for overland transportation or dry-docking damage, substitute watercraft use during repairs, emergency haul-out and storage coverage, search and rescue coverage, and even coverage for occasional charter use.

Navigational Limits on Boat Insurance

Serious boaters may wish to venture beyond the navigational limits defined in their policies. Work with an agent who can help you make the most of available on-water and trailering restrictions, plus secure specific trip endorsements for any excursions beyond.

Increased Personal Liability for Large Boat Owners

Recreational boating can be a dangerous sport. In 2017 alone, over 650 deaths and $46 million in property damage resulted from 4,291 accidents in U.S. waterways. Accordingly, all boat owners should have adequate coverage for at-fault events, which may result in expensive medical claims, property damage expenses, wreckage removal expenses, legal defense and settlement costs. In most cases—especially for vessels of 27 feet or longer—boating risks and exposures are too large to tack onto your home insurance policy.

Insurance Coverage for Boat or Yacht Upgrades

Don’t forget to alert your agent when you add valuable contents or features to your boat. As with your home, upgrades may affect replacement value and/or warrant the addition of specialty endorsements (e.g. coverage for fishing gear, water sports or scuba equipment).

Ready to talk boat insurance? Call our team at 508.339.2951! We’re also here to help with:

  • High-Value Home Insurance
  • Homes that stand apart for their historical architecture, interior design, eco-friendly features, or overall value require specialty coverage.

  • Valuable Property Insurance
  • Whether it’s jewelry, art, or wine, we offer ample coverage, with flexible terms, for all your valuable possessions and collections.

  • Vacation Home Insurance
  • Owning multiple homes creates specialized insurance needs. Ask our experts to review your properties and coverage plans.

  • Personal Excess Liability Insurance
  • Protect the things you’ve worked so hard to build. Understand the different facets of personal excess liability.

  • Boat Insurance
  • Protect your sailboat, powerboat or luxury yacht with watercraft insurance that works proactively to ensure smooth sailing.