Watercraft Insurance

Boat & Yacht Insurance

From fishing boats to large yachts with a crew, be sure you are protected for all your adventures on the water. Boat insurance protects your watercraft from covered physical damages and loss caused by common risks such as sinking, fire, collision, capsizing, storms, and theft. You can also purchase coverage for medical payments, personal property (including fishing equipment), towing, trailer, and uninsured boater coverage. It is important to note that watercraft policies can and do vary with respect to coverages, exclusions, endorsements, limitations and other terms and conditions.  Our knowledgeable agents can help you explore the various options that may be available to you.   

Yacht Insurance Policies

Typically, vessels larger than 27’ are referred to as yachts. Because these boats have more unique exposures, such as travelling further distances, yacht insurance policies generally provide broader coverage as compared to policies geared towards smaller boats.

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Optional Coverages for Boat Insurance

Depending on which carrier you choose to purchase your boat insurance through, there are a number of other optional coverages that you may be able to add. These can include, but are not limited to:

  • Fuel Spill Liability & Wreckage Removal
  • Personal Items Coverage
  • Emergency Assistance
  • Unattached Equipment Coverage
  • Agreed Value Coverage

How Can I Protect My Boat or Yacht in the Event of a Hurricane?

If you live in a coastal area, hurricanes may be a real concern for you. Some boat policies may cover haul-out and storage expenses to protect your boat from a named storm. Reach out to one of our team members to see what polices are available.

Watercraft Insurance in Connecticut

Connecticut offers many places to explore in your boat. Whether it’s cruising the coastline or enjoying the lakes and rivers, be sure your vessel is protected. Although boat insurance is not required in Connecticut at this time, some marinas may require it. If you are looking to work with local insurance professionals to insure your watercraft, we have offices located in Darien, Ridgefield, and other locations throughout Fairfield County.

Does NY Require Boat Insurance?

At this time, boat insurance is not required in New York. However, some marinas may require proof of insurance. Some insurance carriers can include marinas or yacht clubs as additional insured.

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