Personal Insurance / Watercraft
Boat & Watercraft Insurance
A boat spends most of the year not being a boat. It is on a trailer, in a driveway, or shrink-wrapped in a yard, and that is where a surprising share of claims happen. A policy written only for time on the water leaves the other nine months thin.
What It Covers
The parts of the policy, in plain terms.
Hull and machinery
Physical damage to the boat and motor. Ask whether it is written at agreed value or actual cash value; the difference shows up entirely at total loss.
Liability
Injury or property damage you cause on the water, including damage to a dock or another vessel.
Trailer coverage
The trailer is a separate item and is not automatically covered by the boat policy or by your auto policy.
Wreck removal and fuel spill
Two costs owners never budget for and that can exceed the value of the boat itself.
How it plays out
You are backing down a ramp at Wallenpaupack, the trailer jackknifes, and the hull takes a hit against the concrete. That is a physical damage claim that happened on land, on a trailer, before the boat ever touched water.
Placed with
- Progressive
- Foremost
- American Modern
Frequently Asked Questions
Boat & Watercraft questions we get.
Does my homeowners policy cover my boat?
Is my boat covered while it is stored for the winter?
What is agreed value versus actual cash value?
What Clients Say
Trusted by your neighbors.
Dave is an amazing agent, and Kim is great too. They both worked very hard to get me the best rates. I felt they had my best interest at heart, not just what was good for them.
I just finished buying a house. My previous agent couldn’t find coverage for it. My realtor told me that “Dave always has an answer for her problems.” She couldn’t have been more right.
I highly recommend David Bartal. David took the time to listen to my circumstances and worked efficiently to get me quotes quickly. Within minutes, I had both my vehicles insured at a price I could actually afford. A very happy and satisfied customer.
Also worth a look
Other coverage we write.
Auto Insurance
Coverage shopped across multiple carriers, with real limits explained in plain terms.
Home Insurance
Coverage for the structure, your belongings, and the liability that comes with owning a house.
Condo Insurance
Fills the gap between the association's master policy and everything inside your unit.
Renters Insurance
Your belongings and your liability, even though the building is not yours.
Flood Insurance
Separate coverage for rising water, which no home or renters policy includes.
Motorcycle Insurance
Cruisers, sport bikes, touring and off-road, with custom parts actually accounted for.
Let's get you a real number.
Tell us what you're insuring and David will shop it across our carriers. No obligation, and no pressure if your current policy turns out to be the better deal.
Independent agency / 10 carriers on file