Watercraft Insurance

Watercraft insurance provides specialized coverage for your boats and other watercraft by protecting them from the unique risks they face on and off the water.

Your boat or watercraft is special and your boat insurance should be too. That’s why we have a wide variety of boat insurance options available for your consideration.  We can help you decide on the best insurance protection for your watercraft at the price you want.

Only watercraft insurance can really protect your vessel and the people who use it. Do not rely on homeowner's insurance to cover your boat.  Most homeowner's policies have extreme limitations on watercraft coverage and purchasing true watercraft insurance is almost always the best way to go.  


What Watercraft Insurance Covers

Boat and watercraft insurance fills in many of the "gaps" left in your homeowner's policy with coverage for:

  • Your boat:  Protect your vessel (and even machinery such as outboard motors) from damage from collisions with other boats or objects, and non-collision damage such as fire and theft.
  • Liability:  Protect yourself from lawsuits in which you are legally responsible because of an accident arising out of the ownership, maintenance or use of your watercraft
  • Medical payments:  Protect your assets if an accident leads to medical costs regardless of legal fault
  • Personal belongings:  As an option, protect your outdoor gear, wetsuits, radios, underwater cameras, fishing equipment and other equipment that you value.

The amount of boat insurance or watercraft insurance you may need can depend on a number of factors. We can help you determine the right insurance coverage to protect a variety of watercrafts, including:

  • Jet skis
  • Sailboats
  • Fishing boats
  • Cabin cruisers
  • Pontoon boats
  • House boats

You can protect your watercraft from damage, your passengers from injuries, and your personal assets in the event a day on the water is ruined by an unexpected event with the right watercraft insurance coverage.

Let Beach & O’Neill Insurance Associates help you determine the right amount of insurance protection you need for your boat or watercraft.  Don’t trust your watercraft to just anyone. We can help you protect your boat or watercraft from smooth sailing conditions to choppy waters, and beyond.