Boating Insurance

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.

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 not covered, which can make for troubled waters if you have a fire or an accident where you run aground, or you have an accident with another vessel,or dock where your boat sustains damage and sinks.

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.

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 show you all of your protection options, recommend the right limits and make sure you receive every discount 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.

The most important thing we cover are the things that are important to you. Typical coverage's should include:

• Personal liability
• Boat
• Motor
• Trailer
• Medical and physical damage perils
• 6 Pack Charter 

And we provide insurance for the following types of boats and personal watercraft:

• Yachts 
• Center Console Boats
  
• Cabin Cruiser
  
• Pontoon
• Work boats
• Sport Fishing
• Jet Ski
• Many others, let’s talk

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
  
• 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 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.

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 protect businesses and people we know and care about, and that means we always look for ways to protect you better, 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 the strongest shield possible to help you protect the things you are working hard to build.