Boat Insurance

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What is it that floats your boat?

Nothing is better than hopping onto your jet ski, boat or other watercraft and taking off. It’s easy to forget that owning a boat brings the risks that come with greater liability (even when you and the boat are not in the water). You need to make sure your boat insurance protects all your needs.

There’s a way to ensure your “financial boat” stays afloat in the rough water or unexpected crosswinds.

Is your boat covered by your homeowner’s insurance?

… Perhaps, if it’s in your driveway, or if it is small and has no motor…

Unfortunately, it’s common for homeowner’s insurance policies to put restrictions on people who own boats depending on horsepower and size, as well as the types of damage coverage expected. 

That is, unless you have a specific kind of boat insurance, it’s likely you are underinsured. This can lead to disaster if your boat sinks, or if you or a guest get into an accident that causes damage.

What’s the purpose of insurance, anyway?

Remember, you can’t get coverage after an accident, so you need to prepare for the worst before you crash or sink.

Imagine that your boat insurance is a protective shield. Then, picture a person driving a boat straight into the shield.

Will your shield hold?

Our primary responsibility is to strengthen your shield, so you are protected against as much damage as possible in the most cost-effective way.

To accomplish this, we will go over all of your options for protection, make recommendations for the proper limits, and ensure you get every discount you qualify for. And this is why you should speak to one of our local representatives about boat insurance. 

Here’s what’s covered by boat insurance — and some options

We cover the things you care most about. Here’s what should be included in your coverage:

• Boat
• Medical and Physical Damage Perils
• Motor
• Personal liability
• Trailer

We can cover a wide assortment of personal watercraft: 

• Bass Boat
• Cabin Cruiser
• Houseboat
• Mini Jet Boat
• Other Fishing Boat
• Pontoon
• Runabout
• Sailboat
• Plus many others… give us a call or stop by

We know where the boat insurance discounts are

We utilize our good relationships with carriers that offer many discounts for boat insurance. This results in you receiving the same quality coverage at a lower cost. You could save money if you…

• Are the original owner
• Bundle other kinds of insurance
• Have a clean automobile driving record
• Have a safety course certification
• Have idle assisted steering installed
• Insure multiple vessels
• Own your home
• Paid your policy in full each year

And if you’re looking for even more ways to save money on the best boat insurance policy, call us or stop by our office so we can discuss how much coverage you need according to your income and assets.

Don’t be like Barney…

In Northeast Ohio, some people think of boating as a hobby, but for others, it’s a big part of their lives. And the people who take boating seriously invest a lot of time and money into their watercraft. But because boat insurance policies vary in quality, you could have unseen gaps in your coverage.

Let’s look at the story of Barney M.

Brian was a hard worker during the week, so he loved to spend his weekends boating and fishing at scenic Portage Lakes State Park. He had an old 14-foot aluminum boat with a cranky 30-horsepower outboard motor. In fact, problems with his old engine ruined both of his recent fishing trips. Finally, Brian ran out of patience and purchased a new 15-foot fiberglass boat powered by a 50-hp motor. 

To save money, Brian decided to buy minimal insurance coverage. But this did not sit well with his wife, Sue.

Brian was enjoying fishing season in his new boat. Late one night, he and his friends were hurrying back to the shore when they heard a loud noise coming from the side of the boat. When Brian, who was driving, turned to see what the noise was, his boat was hit by another vessel speeding around the bend.   

The collision caused a lot of damage and many injuries. And Brian was considered the “at fault” party because he was not looking forward when the accident occurred. For this reason, he ended up responsible for damage and injury claims in the amount of $120,000.  The minimal insurance coverage he bought did not cover all the damages or injuries he caused.