Protect Your Investment

Boats and personal watercraft are big investments, but if you love being out on the water, you know they’re worth it. So protect your fun investment with coverage that’s designed with the boat lover in mind, not with some standard coverage or add-on to your Homeowners Insurance.

Boat Insurance

We specialize in Boat Insurance

Shield Insurance can help make your time on the water relaxed and worry-free. We will find you comprehensive insurance protection that protects you, your friends, family, your watercraft, and your boating equipment.

You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety of your passengers, or your investment.

Do you know what to look for in a Boat Insurance policy? We can help you determine the right amount of coverage to meet your specific needs. Just contact us today to get started.

Boat Coverage Options

  • Agreed Value Coverage — Watercraft depreciate just like cars. Actual cash value policies can make it difficult to replace a boat that has been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

  • Liability — Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages, and other costs incurred as a result of a boating accident for which you are at-fault.

  • Medical Payments — Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

  • Physical Damage Coverage — Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

  • Uninsured/Underinsured Watercraft Bodily Injury — Since boat insurance is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

  • Personal Effects — Your policy can provide coverage for many personal effects, including clothing, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state, so check with us for what’s required in your state. Personal effects coverage does not include jewelry, watches or furs.

  • Emergency Assistance — The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Get started on your boat insurance quote

To get started on your awesome boat quote from Shield Insurance, click below.