Boat Insurance

With easy access to Lake Erie, Lake Ontario, and many of the New York rivers and lakes, Buffalo is home to a number of boat owners. Whether you enjoy fishing, sailing, or just being out on the water, Willoughby Insurance can help you select the coverage needed to protect your boat as well as you and your passengers. A Boat Insurance policy from Willoughby Insurance will give you peace of mind so that you can enjoy your time spent on the water.

A typical Boat Insurance policy provides liability protection as well as coverage for damage to your boat. Willoughby Insurance offers boat insurance for a many types of boats including houseboats, power boats, sail boats, and fishing boats. The coverage you need will depend on your specific boat.

It is commonly thought that a homeowner’s insurance policy will cover boats, and while they occasionally offer some degree of coverage, there are restrictions on boat size and the coverage is often insufficient. More often than not, if you do not have a separate boat insurance policy, your boat is going to be underinsured. Fortunately, a boat insurance policy is inexpensive and will offer adequate coverage for any type of boat you may own.

Boat Insurance typically covers:

  • Damage to your boat including the sails, hull, machinery, motor, and trailer
  • New boat replacement
  • Medical payments
  • Wreck removal
  • Damage to other boats and property caused by your boat
  • Bodily injury to another person
  • Fuel spill liability

There are a number of additional coverage options that you may want to consider adding to your Boat Insurance policy. These include coverage for personal property, coverage for fishing equipment, uninsured boater protection, and towing options both on and off the water.

Boats greater than 26 feet in length are most likely classified as Yachts. Yachts can face a greater number of hazards and dangers on the water as they tend to have larger navigational ranges than smaller boats. Therefore, Yachts tend to have a more complex and detailed policy structure than standard boat policies. The team at Willoughby Insurance will answer any questions you may have about the differences between Yacht and Boat Insurance policies.
   
Not only can we help you find the best policy for your unique boat, but we can help you save money on that policy through many policy discounts that are available. You may qualify for a discount on your Boat Insurance policy if you own your own home, pay your yearly premium in advance, or have completed a boat safety course. Contact one of our agents today to see how we can help you save money on your Boat Insurance policy!