⚓ Life on the Water: Premier Boat & Watercraft Insurance
Whether you’re chasing bass at sunrise, towing the kids on a tube, or cruising the coast in a yacht, your time on the water is your escape. But the open water brings unique risks—from submerged objects and sudden storms to dockside mishaps.
At [Agency Name], we specialize in marine insurance that goes far beyond a standard “add-on” to your homeowners policy. We provide dedicated protection for:
- Fishing Boats & Bass Boats: Specialized coverage for your gear, trolling motors, and tournament requirements.
- Pontoons & Leisure Craft: Protection for the whole family and your “floating living room.”
- Personal Watercraft (PWCs): High-speed protection for Jet Skis, Sea-Doos, and WaveRunners.
- Ski & Wakeboard Boats: Coverage for high-performance engines and expensive tow equipment.
- Classic & Wooden Boats: Agreed-value coverage for the pride of your fleet.
🌊 Why Specialized Boat Insurance Matters
Most people don’t realize that a standard homeowners policy usually has tiny limits for watercraft. Our policies through specialized carriers offer:
- Agreed Value Coverage: If your boat is totaled, you get the amount we agreed on upfront—no depreciation surprises.
- Pollution & Fuel Spill Liability: If your boat sinks or leaks, the environmental cleanup costs can be devastating. We make sure you’re covered.
- Wreckage Removal: Legally, you are responsible for removing a sunken vessel. This coverage handles the heavy lifting (and the heavy bill).
- Uninsured Boater Protection: Unfortunately, many boaters hit the water without insurance. We ensure you are protected even if they aren’t.
🏎️ Beyond the Dock: RVs, ATVs, and Off-Road Adventure
While we love the water, we know the adventure doesn’t stop at the shoreline. We offer rugged, reliable insurance for your land-based toys to ensure your road trips and trail rides stay on track.
🚍 Motorhomes & Travel Trailers
An RV is a hybrid of a vehicle and a home. We provide “Vacation Liability” (think of it as homeowners insurance for your campsite) and “Full-Timer” coverage for those who have traded their zip code for a life on the road.
🌲 ATVs, UTVs & Side-by-Sides
Don’t assume your homeowners policy covers your ATV once you leave your driveway. Our off-road policies protect your custom parts, winches, and safety gear, whether you’re on public trails or private land.
🤝 Our Trusted Marine & Recreational Carriers
As an independent agency, we shop the market so you don’t have to. We’ve partnered with the industry’s heavy hitters to find the perfect balance of price and protection for your specific “toy.”
| Carrier | Best For… |
| Progressive | The “all-around” leader. Fantastic for Jet Skis, modern powerboats, and multi-policy discounts with your auto insurance. |
| Foremost | The specialist. Known for flexible coverage on older boats, DIY pontoon owners, and specialized RV/Travel Trailer needs. |
| Hagerty | The enthusiast’s choice. If you have a classic wooden boat, a vintage Chris-Craft, or a collector-grade RV, Hagerty is the gold standard for “Agreed Value.” |
💡 Smart Ways to Save (Without Cutting Corners)
We’ll help you navigate the various discounts available to keep your premiums low while your coverage stays high:
- Boating Safety Course: Show us your certificate and watch your rates drop.
- Multi-Toy Discount: Insure the boat and the jet skis together for a bundle.
- Lay-up Periods: If you store your boat or RV during the winter, we can adjust your premium to reflect that it’s off the road/water.
- Paid-in-Full: Save immediately by taking care of the annual premium upfront.
📞 Don’t Let Your Weekend Go Belly-Up
Ready to hit the water or the trail with total peace of mind? Let’s build a policy that actually fits the way you play.
