Boatowners Insurance

We’ll help you avoid a boatload of trouble.

These are often what we call “toys” in the industry. We use these on our time off to unwind and have fun. A few of us also use them for everyday living or to get to work like a motorcycle.

We can ensure the smallest fishing boats to some of the bigger yachts you can find at a marina. It’s important to make sure your boat is covers everything from damaging a dock, the boat from the body to the machinery, to liability in case of injury to others much like auto insurance

RV’s have special concerns that must be addressed when insuring. How long will the owner be on the road over the course of the year in the RV? Is the RV being used as permanent like residence other wise known a “Full Timer.” And yes, as an RV owner you have risk much the same as you have with a homeowner regardless of if you travel two weeks a year or two months a year. Theft, fires, and liability issues occur with RV’s and your tolerance for such risks must be evaluated when insuring an RV

Motorcycles are a risky vehicle to drive on the road. Unfortunately motorcycle riders are susceptible to distracted motorists and other risks such as debris on the road which can lead to accidents. We want to make sure all your bases are covered when taking a motorcycle out on the road in the event you are involved in a no-fault accident such as skidding on wet pavement. Or you are in a situation where an uninsured motorist is involved, and your insurance must kick in for you.

Boat insurance can protect all motorized water vehicles, including fishing boats, pontoon boats, yachts and jet skis and can be specific for coverage for inland waterways or coastal waters.

Boat Insurance Coverage typically includes:

Hull
Machinery
Fittings
Furnishings
Permanently attached equipment as part of either an actual cash value policy for replacement less depreciation or on an agreed amount value basis based on a predetermined agreement with the carrier.

Boat Insurance Coverage can be triggered by:

Theft
Bodily injury caused to another person
Property damage caused to someone else’s property
Guest/passenger liability for legal expenses incurred by someone using the boat with the owner’s permission
Medical payments for injuries to the boat owner and other passengers

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