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Along with the adventure of being a captain of your own boat or watercraft, there is also the responsibility to protect your boat and crew from harm. will have you smooth sailing with expert knowledge and the power of choice.  Leave your worries at the dock as we help navigate the insurance world to keep you on the water sailing.

Every boater should have insurance, even if it is not required.  As you put time and energy into your vessel it’s value to you will rise.  Your boat is an investment so let’s protect it properly.  As experienced personal lines insurance agent, we look for insurance carriers that have the best coverage options, price, and dependability.  Every boat is different and with the options, we provide you can choose the exact coverages you need and leave out the ones you don’t. Feel the power as you choose what you want for the price you so you can keep your high sea adventures going.

Make sure you are covered bow to stern will help you find insurance for:

Pontoon, Sail Boat, High Performance, Ski Boat, Sports Fisher, Houseboat, Bass/Walleye,

Trawler, Cruiser, Mid-Performance, Runabout, Hovercraft

Jet Ski/Wave Runner*

(Boats up to 64 feet in length, 70 mph, $1million in value)

Boat Insurance Basics

Liability Insurance and Physical Damage

When operating any watercraft or vehicle there is the possibility for bodily injury or property damage to occur.  Liability insurance will provide a dollar amount in legal coverage, liability arising from loss of life or damage to someone else’s property as a result in ownership or operation of your boat.

Physical Damage will provide a dollar amount to repair or replace the hull, engines, sails, personal property and other equipment on board that is required to operate the boat if it is damaged by a peril covered in the policy.  Be sure to look for coverage that extends to cover your boat while it is stored on land or while you transport your boat over land by a trailer.

Those are the basic two components that make up your policy.  Other coverage parts include:


Loss Settlement- Agreed Value vs. Actual Cash Value

Agreed value policies will pay the amount shown on the policy if the boat is considered a total loss.  Damage resulting in a partial loss is paid for on a replacement cost less your deductible. This does not factor in depreciation

Actual Cash Value policy provides coverage up to the current market value of the vessel in the event of a total loss, taking into account depreciation and potentially other factors.

Personal Property and Emergency Towing Assistance

Two coverages every boater will find important.  Personal property can include clothing, personal effects, and sports and fishing equipment while those items are being loaded/unloaded and while aboard your boat.  Emergency Towing and Assistance will reimburse you for the cost you incur when you need emergency assistance for your boats such as towing to place for repair, delivery of fuel oil or parts or emergency labor.

Medical Payments Coverage

Medical Payments Coverage includes First aid treatment, ambulance hospital and other costs that result from someone being injured on your boat.  Be sure that this section has adequate limits of insurance.

Uninsured/Underinsured Boater Coverage

Like in Auto insurance this provides compensation for injuries or property damage from another boat that does not have insurance.  For boaters, this section is extra important as not all states require boat insurance.  Therefore it is more likely for someone not to have a proper insurance policy for their watercraft.

As insurance agents, we have a full cabin of insurance carriers to choose from.  We have searched and partnered with carriers that have over a hundred years of experience protecting the marine community.  We are dedicated to keeping you dream protected whatever it may be.