Boat Insurance

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boat insurance

Whether it is leisure cruising on the Chesapeake Bay, deep sea fishing in the Atlantic Ocean or an ocean voyage to South America, we make sure that you enjoy your time on the water with the peace of mind that you are properly covered.

Our agency specializes in writing insurance policies for yacht, boat and jet ski owners who live in Maryland, Delaware, or Virginia. Our watercraft insurance plans also cover motors and trailers as well as:

  • Medical Payments Coverage – Covers eligible medical expenses if you or your passengers get hurt when on or in the water.
  • Physical Damage Coverage – This optional coverage is typically designed to take care of your boat, motor and trailer.
  • Liability Coverage – If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage.

Contact us today for a quote!

Boat Insurance FAQs

  1. Does my homeowner’s policy cover my boat?

Some homeowner’s policies can provide limited coverage on watercrafts. It usually only covers small boats like a small sailboat, canoe, or a small boat less than 50HP for inboard motors or less than 25HP for outboard motors. This coverage is usually also capped at $1,500 for physical damage to the boat.

  1. Does boat insurance cover medical bills? 

Yes, boat insurance includes liability and medical payments coverage. This covers the medical expenses of a person who was injured in an accident caused by the insured. The liability portion of boat insurance protects the insured if they are legally responsible for causing bodily injury or property damage to others while operating their watercraft.

  1. Will boat insurance also cover the items in my vessel?

Boat insurance typically covers both the vessel itself and the contents in it to a certain limit. It can cover equipment and machinery permanently attached to the boat. This can include motors, anchors, oars, fuel tanks and more. Additional coverage can be added to cover your personal property you take on the boat with you.

  1. What factors affect how much boat insurance will cost?

Boat insurance is not a “one-size-fits-all” policy. Your rate depends greatly on the age, size, horsepower, and value of your watercraft – as well as the boat operator age and experience. The type of boat you own and the waterways you will be navigating can also affect how much your boat insurance will cost.

  1. Do I need boat insurance during the off season?

Some may be tempted to cancel their boat insurance during the off season. Even though your boat is on dry land, you are still at risk for fire, theft, and natural disaster. Without boat insurance, you would have to pay out of pocket for any damage or items stolen from your vessel.