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Serving individuals, families, and business owners since 1966.


Congratulations Captain! You’ve purchased a boat and you’re ready to navigate the open waters. Before you hit the high seas, make sure you and your investment are protected with a watercraft insurance policy. Boating trips with your family and friends are times to be enjoyed and will surely result in memories that will last a lifetime. Enjoy peace of mind in your watercraft knowing you, your loved ones, your boat and equipment are protected. Your very own agent will discuss your different coverage options with you and get you the lowest price possible.

What does watercraft insurance cover?

Navigational Area – Where you are going to travel determines how much navigational area coverage you need. Some policies will cover up to 75 miles from the U.S. coastline or even into Canadian coastal waters. We’ll help you determine how much coverage you need.

Agreed Value Coverage – Should your watercraft be stolen or destroyed and result in a total loss, you will receive the dollar amount you insured it for, minus any deductable.

Liability – Should an accident occur and you’re at-fault, personal liability coverage will cover the other boater involved in the accident. This coverage will cover repairs or replacement, medical care, lost wages and other costs resulting from the accident.

Medical Payments – This coverage will cover the care needed for you and your passengers in the event of an accident, regardless of who is at-fault.

Physical Damage Coverage – If your watercraft is stolen or damaged this coverage will cover the costs to replace or repair your boat, motor, any permanently attached equipment and your trailer.

Uninsured/Underinsured Watercraft Bodily Injury – Believe it or not, boat insurance is not always mandatory. If you should be involved in an accident with an uninsured boater, this coverage will cover medical treatment, lost wages and other costs incurred from the accident.

Fuel Spill Liability and Wreckage Removal – If your boat sinks or is seriously damaged, there is a possibility it could leak oil or fuel into the water. If it does, you are required by law to clean it up. This coverage will take care of that time consuming and costly process.

Personal Effects – Your policy will cover most of your personal effects on board, such as: clothing, scuba/snorkeling equipment, and cell phones. Limits vary.

Unattached Equipment Coverage – This will cover boating equipment that is not permanently attached to your boat. Such as: life saving equipment, fire extinguishers, water skis, tarps, etc.

Emergency Assistance – You never know what could happen on the water. Should you run into trouble, this coverage will provide emergency assistance like, towing and fuel or oil delivery.

Click on the link or call us to receive your quote today!