Boat Insurance

Boat insurance policies can vary depending on your needs and risk assessment.  A typical policy will protect your boat against theft, damage caused by a collision, damage caused by striking a submerged object and property damage caused by windstorms, lightening and vandalism. 

Other coverages incorporated into boat insurance policies may include:

  • Medical Payments for injuries
  • On-water towing if your boat unexpectedly breaks down
  • Personal effects, such as fishing gear
  • Fuel spill liability

Boat insurers use differing factors when assessing the risk and price of their policies.  Common factors include:

  • Boat owner's operation experience
  • The boat's age, make/model, and condition
  • Where the boat will be operated - often called navigational territories
  • The value of the boat
  • The size of the boat 
  • The Max speed of the boat

Coverage Considerations

When buying or renewing your policy there are some key points you should consider:

  • Lay-up Period: Does your boat have coverage during the off season?
  • Navigational Territory: Some policies specify territories for where your boat is covered.  If you navigate outside of these areas you may not have coverage.
  • Hurricane Haul-out: If you live in an area that is prone to hurricanes, you may want to consider getting this service which moves your boat out of harms way before a windstorm.
  • Agreed Value versus Actual Cash Value: Does your policy specify and agreed value for your boat, or would you receive the depreciated value of your boat, including deductions for wear and tear, in the event your boat is lost or significantly damaged?
  • Does your marina require additional liability coverage?

Additional Resources

Contact Us

Tammy Nelson
Tammy Nelson

Tammy Nelson
Personal Lines Account Manager

Tammy has worked in the Insurance Industry for over 30 years. she is licensed in Life, Health, Property, and Casualty. having specialized in Personal Insurance most of her career, Tammy has a deep understanding of insurance and the proper coverages that are needed.
Tammy is a dedicated mother of two who loves to travel and bargain hunt. she hopes to one day retire to a Tropical Island.

Gini Moore

Gini Moore
Personal Lines Account Manager

Gini was born and raised in California and moved to the Chicago area 4 years ago. She has had her Property and Casualty Insurance License for 29 years. Gini attended Orange Coast College where she obtained her AA in business. In her spare time, Gini loves to travel and enjoys gardening.

Chris K
Chris Kennan

Chris Keenan
Personal Lines Account Manager

Chris started working in the insurance industry immediately out of high school, in the claims department for AAA. She moved to the service/sales side in the late 1990s and has been there ever since. Chris spent many years working in the collector auto insurance field and has a deep appreciation for muscle cars. She loves working in the personal lines department, helping her clients understand the importance of proper coverage. In her spare time she loves spending time with her two grandsons.