Pittsburgh Boating Insurance

Is your boat insurance seaworthy?

Is your boat insurance seaworthy?

Getting out on the water in your watercraft is can be a wonderful escape from the day-to-day. But, having fun on the water can also increase liability risks.

Let’s make sure your “financial boat” doesn't sink should you encounter rough waters.

Call Today (724) 375-0594

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Does homeowners insurance cover your boat?

The fact is, homeowners policies usually place numerous restrictions on boat owners, depending on the size and horsepower of your watercraft.

In other words, if you don't carry a boat insurance policy, you may be underinsured.

Are you ready for Boating Season in Pittsburgh?

We can help you decide on the amount of coverage you need for your boat, the deductible (maximum out-of-pocket expense per claim) and the types of coverage you need. 

Unfortunately boating accidents, theft, or other misadventures can happen on our rivers and lakes.  We know, you will want to get back on the water as soon as possible, so the last thing you need after a loss is to find out you were not properly covered.   

If you were in an accident with another boat that caused serious damage to your vessel, one of the following things would most likely occur, depending upon the insurance coverage you and the other boater have and the laws in your state:

  • If you were at fault, your boat liability insurance would cover the damage up to the limits of the policy.
  • If the other boater was at fault, their coverage would pay for your damage, up to the limits of their policy.
  • If the other boater was at fault, but did not have boat insurance, or did not have enough to cover your expenses, uninsured/underinsured boaters coverage could cover the damage (if you had that coverage in place).

Boat Insurance: what's covered

Typical coverages should include:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

We also provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat

Boat insurance discounts spoken here

We also work with carriers who provide boat insurance discounts. Here are a few ways you may be able to save:

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Pay your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Why we're different

You may think you want the cheapest insurance you can find, but cheap isn't everything.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your boat.

Contact us today, and we'll help you protect what matters most.

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