How to Buy Car Insurance (Step-by-Step)
New to car insurance? From picking an agent to selecting coverages, this guide walks you through each step so you can feel confident in your decision.
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Boat insurance explained
Boat insurance isn't just about protecting your boat—it's about protecting your finances, liability, and peace of mind when the unexpected happens on the water.
The right policy can help cover repairs after an accident, storm damage, or theft. Just as important, it can help protect you if someone gets injured onboard or if your boat causes damage to another boat, dock, or property.
As an independent insurance broker, we shop multiple carriers and help you choose the best coverages for your boat, your usage, and your budget—so you can spend more time enjoying the water and less time worrying about risk.
What's covered vs. what's not?
Boat insurance has limitations, exclusions, and optional coverages that aren't automatically included. Here's a simple breakdown:
What's Covered?
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Injuries to someone else for an accident you are at-fault for
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Damage to another boat, dock or property
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Medical payments
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Theft
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Fire
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Storm damage
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Trailer coverage
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Coverage if hit by someone with not enough insurance (optional)
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Towing
What's Not Covered?
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Wear & tear
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Commercial charter use
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Damage from poor maintenance
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Racing
Boat insurance you can count on — not just a policy on paper
No one gets boat insurance expecting to file a claim. But if a storm rolls in, an accident happens, or someone is injured onboard, you want coverage that responds—and a local team that picks up the phone.
Coverage for your boat
From collisions and dock damage to theft and storms, we'll help you insure your boat with coverage that matches its value and your risk tolerance.
Protection for your passengers
If someone gets injured onboard, the right medical and liability protections can help limit out-of-pocket costs and protect your finances.
Coverage for damages and liabilities
Accidents on the water can get expensive fast. Strong liability coverage can help protect you from major bills, legal claims, and unexpected financial stress.
Helping you understand boat insurance through blogs
Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.
Boat insurance built for smooth sailing
We compare multiple carriers to find the right balance of protection, price, and peace of mind. Hit Get a Quote, fill out the form, and one of our brokers will reach out.
