Boat & Watercraft Insurance

We can help make your time on the water relaxed and worry-free! We offer comprehensive protection that protects you, your friends and 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 your passengers, or your investment.

What you need to know about boat insurance

Navigational Area

Know where you are covered in the water. Marine protection covers you up to 75 miles from the U.S. coastline; and each policy has a specific navigational area such as Wesbrook, Maine to Cape May, New Jersey. If an extended coverage area is needed, it can be purchased.

Agreed Value Coverage

Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. With agreed value coverage, this means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

Liability

Like auto 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 up to $10,000 and covers you and your passengers regardless of who is at-fault. Coverage for your water skiers can be added for a small additional premium.

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 coverage 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 coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal

Should your boat sink or become seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive. This coverage will pay for these expenses.

Personal Effects & Unattached Equipment

Your policy can provide coverage for many personal effects and unattached equipment including clothing, life saving equipment, anchors, oars, scuba/snorkeling gear, sporting equipment such as water skis and wake boards, and fishing equipment. Limits vary by state – check with E A Stevens Company Inc for information.

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.

Every need is unique – contact us today to find out how to get the best boat and watercraft insurance coverage for you.