boat insurance
boat insurance
boat insurance

Boat Insurance

boat insurance

Boat Insurance

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Boat Insurance

Available in all 50 states.

Boating is a cherished pastime, whether fishing, skiing, or simply enjoying the ocean views. Vessels can be a liability as well, one not covered by your homeowner’s policy. Don’t float bare. Our boat insurance program not only covers liability associated with operating watercraft (running into other boats, swimmers, divers), but also your investment (hull, motors, equipment, trailers). As an independent insurance agency, we offer many companies that specialize in boat insurance and are familiar with the strengths of each.

Boat Insurance Quote.

We Insure

  • Pleasure craft
  • Motorboats
  • Sailboats
  • Yachts
  • House Boats
  • Jet ski insurance / PWC
  • Fishing boats
  • Commercial craft
  • Any waters, lakes, rivers, inland or ocean
  • All states
  • Any size or value
  • New or old watercraft

We Offer

  • Many insurance companies available
  • Quality coverage with competitive pricing in the industry
  • Liability, Hull, Motors, plus any attached equipment
  • Experience with prompt, courteous service
  • Many deductible options, you choose
  • Discounts may apply

Specializing In:

jet ski insurance pwc insurance

Jet Ski Insurance | PWC Insurance

yacht insurance

Yacht Insurance

sailboat insurance

Sailboat Insurance

fishing boat insurance motorboat insurance

Fishing Boat Insurance | Motorboat Insurance

Boat insurance premiums that won’t drown your fun.

With few exceptions, homeowners insurance will not protect your boat, jet ski, or associated liability. Most policies limit coverage to watercraft below twenty-five horsepower, while others exclude it altogether. If you or anyone piloting your boat injures someone while afloat, collide with another vessel, or run over a swimmer, your homeowners policy likely offers zero coverage.

Our boat insurance program offers the protection you need. We offer thorough coverage at reasonable prices. Jet ski insurance is a part of this program as well. Personal watercraft (PWC) are often overlooked, but represent a significant liability to their owners when considering the speeds at which they travel and the number of injuries they cause.

Coverage for any watercraft is similar to insuring a vehicle. Liability insurance is required, but physical damage to the boat itself (hull) may be added, along with motors, attached equipment, accessories, and even the trailer.

Boat Insurance Coverages

Where to Begin

  1. Research whether your homeowners policy offers any protection for boating. Ask your insurance agent. The answer is usually a strong No, with exceptions being tiny vessels and boats with motors less than 25 HP. However, if you fall within that class, it is valuable information.
  2. Approximate the value of your hull. Boats are notorious for dropping value after a few years, and there is no need to over-insure.
  3. Approximate the value of your motor(s).
  4. Add in the value of any other attached equipment such as fish finders, GPS systems, radar, custom canvas, etc. For jet ski insurance, don’t forget cost of modifications you’ve performed.
  5. Complete a boat insurance quote request to begin the process.

Why Bankers Insurance?

Anyone can be an order-taker. Bankers Insurance is different.

We don’t expect clients to be boat insurance experts. Take advantage of our experience. We can explain options and help you determine coverage that suits your needs.

As your insurance agent, we strive to know you. Only then can we suggest coverage that fits. We look for coverage gaps and offer protection. With us, you get the benefit of:

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