BOAT INSURANCE
Contact
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Landline: (227) 250 - 0009
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Licensed in MD, PA, NJ, VA, DE
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For Business Entities and Individuals
Boat Insurance
We’re here to make your boating experience as smooth as the open water. By providing tailored coverage for your vessel, passengers, and equipment, we’ll help protect your investment while ensuring your peace of mind. Whether you’re cruising, fishing, or water skiing, allowing you to fully enjoy the water without the worry.
Our team of professionals can help you have proposals, giving you flexibility to build a policy that satisfies your needs at a competitive rate.
What to Consider When Choosing Watercraft Insurance
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Navigational Limits
Understanding where your policy provides coverage is essential. Many insurers offer protection within 75 miles of the U.S. coastline, Canadian coastal or inland waters, and the Pacific waters of Mexico.
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Agreed Value Coverage
Boats, like vehicles, depreciate over time. An agreed value policy ensures that in the event of a total loss, you’ll receive the full insured value of your watercraft, minus the deductible—unlike actual cash value policies, which may leave you short when replacing your boat.
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Liability Protection
Personal liability coverage shields you from the financial burden of damages caused to other boaters or property in an at-fault accident. This includes costs for property repairs, medical expenses, lost wages, and additional legal liabilities arising from such incidents.
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Medical Payments Coverage
Available in amounts ranging from $500 to $10,000, this coverage ensures that medical expenses for you, your passengers, and even skiers or tubers injured in an accident are taken care of—regardless of fault.
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Physical Damage Coverage
Protect your watercraft, engine, attached equipment, and even your trailer with this policy. It covers repair or replacement costs if your property is stolen or damaged.
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Uninsured/Underinsured Boater Protection
Since boat insurance isn’t mandatory everywhere, you may encounter uninsured or underinsured boaters. This coverage provides financial support for medical expenses, lost income, and related costs if you’re injured in an accident caused by an uninsured individual.
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Fuel Spill Liability & Wreckage Removal
In the unfortunate event of a serious accident or sinking, your vessel could leak oil or fuel, leading to costly cleanup requirements. This coverage ensures you meet your legal obligations to address spills and remove wreckage, avoiding financial strain.
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Personal Effects Coverage
Protect the items you bring aboard, such as clothing, electronics, sporting gear, and fishing equipment. Coverage amounts and exclusions vary by state, so consult us to confirm the details. Please note that certain valuables like jewelry, watches, or furs may require separate coverage.
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Unattached Equipment Protection
Cover your gear designed for use with your boat but not permanently attached, such as life vests, anchors, oars, tarps, and fire extinguishers. This ensures even your essential accessories are accounted for.
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Emergency Assistance Package
Breakdowns happen, even on the water. Emergency Assistance provides towing, labor, and delivery of essentials like fuel, oil, or batteries when your boat is disabled.
Deductible is also included with the Boat insurance. You should always make sure your deductible is NOT so high that you’d struggle to cover the repair costs before your insurance kicks in.