Boat Insurance

We represent the best selection of boat insurers in the country, and we’ll go the extra mile to help you find the coverage that’s right for you.

We understand the fun and enjoyment that you feel when riding your boat. We also understand the considerable investment that you have made in that fun and enjoyment. Either on a stand-alone basis or as part of a comprehensive personal insurance package, A.P. Reid Insurance Stores is here to protect your boat.

Boat insurance explained

Boat insurance provides coverage for loss or damage to your boat, as well as injury risks to your boat if you accidentally damage another boat. Boat insurance is not mandatory to operate your boat — However, it does provide considerable protection for your investment. 

Why do I need boat insurance?

Beyond having peace of mind, you may need insurance for your boat if you use a marina to store your boat, or if you want to finance your boat purchase. In certain cases, home insurance coverage may be sufficient for your watercraft, however, in other cases, you may find that your home policy doesn’t completely cover your boat. Also consider that if you have your boat listed under your home insurance policy, when you make a claim on your boat, that is equal to a claim on your home insurance policy. 

What types of boats typically qualify for this coverage?

  • Cruisers
  • Runabouts
  • Sailboats
  • pontoons
  • fishing boats
  • cabin cruisers
  • bass boats
  • deck boats
  • jet boats
  • ski boats

How can I save money on boat insurance?

You may be able to save on your boat insurance in the following situations:

  • If you bundle your auto or home insurance with your boat insurance
  • If you are claims-free
  • Use a dry dock
  • If you have training courses

Request a boat insurance quote online or call our licensed brokers