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Boat/PWC Insurance

While cruising the water in your boat, the last thing you want to worry about is insurance. Contact us and let us take care of you. Then go back to fishing, sunbathing, or just relaxing on those cool, clear waters. We have a policy for most types of boats including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans and utility boats.

Actual Cash Value

These policies pay for replacement costs less depreciation at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the vessel's approximate market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.

Agreed Amount Value

This type of policy means that you and your insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.

Boat Insurance Also Covers:

Skippers can obtain free advice and boating-safety courses from the U.S. Coast Guard Auxiliary. Upon request, the auxiliary will conduct a Courtesy Marine Examination (CME) on your boat, checking electrical and safety equipment and fuel hoses. Boats meeting safety standards are awarded the CME decal "Seal of Safety."

Make sure that every person on board the boat wears a life-jacket. Know and obey marine traffic laws, the "Rules-of-the-Road." Learn various distress signals. Keep an alert lookout for other watercraft, swimmers, floating debris and shallow waters. Pay attention to loading. Don't overload; distribute the load evenly; don't stand up or shift weight suddenly in a small boat; and don't permit riding on the bow, seatbacks or gunwales. Don't operate a boat while under the influence of alcohol or drugs.

Boat Safety

There are thousands of recreational boating accidents per year. Contributing factors to these accidents include traveling too fast for water or weather conditions, driving under the influence of drugs or alcohol, failing to follow boating rules and regulations, carelessness and inexperience.

To prevent boating accidents, we offer these safety suggestions:

Care and Protection of Vessel

Check weather forecasts before heading out. Let someone know where you're going and when you expect to return. Check engine, fuel, electrical and steering systems, especially for exhaust-system leaks. Carry one or more fire extinguishers, matched to the size and type of boat. Keep them readily accessible and in condition for immediate use. Equip the vessel with required navigation lights and with a whistle, horn or bell. Consider additional safety devices, such as a paddle or oars, a first-aid kit, a supply of fresh water, a tool kit and spare parts, a flashlight, flares and a radio.

Most companies offer liability limits that start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1000 for medical payments. Higher limits may be available. Additional coverage can be purchased for trailers and other accessories. Boat owners may also consider purchasing an umbrella liability policy which will provide additional protection for their boat, home and car.

Boaters should also inquire about special equipment kept on the boat, such as fishing gear, to make sure it is covered and verify that towing coverage is included in the policy.

Boat owners should also inquire about discounts for the following:

Diesel powered craft, which are less hazardous than gasoline powered boats as they are less likely to explode Coast Guard approved fire extinguishers Ship-to-shore radios Two years of claims-free experience Multi-policies with the same insurer, such as a car, home or umbrella policy Safety education courses, such as those offered by the Coast Guard Auxiliary, U.S. Power Squadrons, or the American Red Cross.

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