If you’re under the impression that your boat is covered by your homeowners insurance, you need to think again. Your homeowners policy likely has specific limitations that will leave you underinsured in the vent that you won a boat. No matter what kind of boat you own, whether it is a personal watercraft, jet boat, sailboat, fishing boat, or a dinghy, we have the coverage you want and need. Remember that boat insurance is a requirement in Connecticut and usually demanded by the lien holder of the boat as well.
Liability coverage is required on all boats, so we’ll start there. Personal liability, boat, motor, trailer, and medical and physical damage. In addition to that, you and your lien holder have many options that include roadside assistance (during towing), total loss replacement, and more. Is your boat personal or commercial? How many people can it carry? Is it a houseboat? We’ll sit down with you to address variables and answer all the questions we need to get the best coverage you need.