Boat Insurance

Boat insurance covers physical damage, liability for injuries or property damage, and theft. Additional options may include coverage for personal belongings, fuel spills, and towing. We’ll help you customize a policy that provides the right protection for your vessel and lifestyle.

Some states and marinas require liability coverage, but even if it’s not mandatory, boat insurance is highly recommended. Without it, you could face costly repairs, legal fees, or replacement costs if your boat is damaged, stolen, or involved in an accident.

Yes! Most policies cover passengers and onboard equipment such as GPS devices, fishing gear, and personal items. However, coverage limits vary, so it’s important to review your policy and add extra protection if needed.

Yes, and many policies offer lay-up periods for off-season storage. This can lower costs while keeping your boat protected. Even when not in use, theft, fire, and storm damage can occur, making year-round insurance a smart choice.