Boating Insurance Request a Quote What floats your boat? Getting out on the water in your boat, jet ski, or other watercraft is likely one of your favorite places to be. But owning a boat can increase liability risks (even when you’re on dry land.)Let’s make sure your “financial boat” doesn't sink should you hit any unforeseen crosswinds or rough water. Does homeowner's insurance cover your boat? … Maybe, if it’s just parked out in your driveway.The fact is, homeowner’s policies usually place numerous restrictions on boat owners depending on the size, horsepower, and damage coverage you expect.In other words, if you don't carry a specific boat insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage or sink, or a guest causes an accident. What’s insurance for, anyway? Keep in mind that you can’t buy insurance after you have an accident. That means you should think carefully about the position you want to be in if you’re ever in an accident, or spring a leak.That means you should think of your boat insurance as a shield. Now, imagine someone driving their boat right into that shield. Will it hold?Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost.That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to.And that’s just one reason you should consider talking to a real person at our local office, instead of a telephone salesperson working for a cartoon reptile. What boat insurance covers—and what’s optional... The most important thing we cover are the things that are important to you. Typical coverages should include:Personal liabilityBoatMotorTrailerMedical and physical damage perilsAnd we provide insurance for the following types of boats and personal watercraft:RunaboutMini Jet BoatSailboatPontoonHouse BoatCabin CruiserOther Fishing BoatBass BoatMany others, let’s talk Boat insurance discounts spoken here We also work with carriers who provide multiple boat insurance discounts, which reduces the cost but gives you the exact same high-quality coverage. Here are just a few ways you may be able to save, including if you ...Own your homeHave idle assisted steering installedInsure multiple vesselsBundle other kinds of insuranceAre the original ownerPaid your policy in full each yearHave a clean automobile driving recordHave a safety course certificationThere are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.