Watercraft Insurance

Watercraft Insurance

Owning a watercraft offers endless opportunities for adventure, relaxation, and quality time on the water. Whether you have a small fishing boat, a luxury yacht, or a personal watercraft, it’s essential to protect your investment against the risks that come with life on the water. At O'Grady Insurance, we offer comprehensive watercraft insurance policies designed to safeguard your vessel, your passengers, and your peace of mind. With our coverage, you can enjoy every moment on the water, knowing that you’re fully protected.

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What we offer

Hull and Equipment Coverage

Your watercraft is a significant investment, and our hull and equipment coverage ensures that it’s protected against a wide range of risks. This coverage includes protection for the physical structure of your vessel, as well as the onboard equipment and accessories, against damage caused by accidents, weather events, theft, and vandalism. Whether your boat is docked, in transit, or out on the water, we’ve got you covered.

Liability Protection

Accidents on the water can happen, and when they do, the financial consequences can be severe. Our liability protection covers you if you’re found responsible for injury to others or damage to their property while operating your watercraft. This includes legal fees, medical expenses, and repair costs, ensuring that you’re not left financially vulnerable after an incident.

What we offer

Personal Property Coverage

Your watercraft is more than just a vessel—it’s a place where you keep important personal items, such as fishing gear, electronics, and watersports equipment. Our personal property coverage protects these belongings against loss, theft, or damage while they’re on board, giving you peace of mind that your gear is covered.

Medical Payments Coverage

Safety is a top priority when you’re out on the water, but accidents can still occur. Our medical payments coverage helps cover the cost of medical care for you and your passengers if you’re injured in a boating accident, regardless of who is at fault. This coverage ensures that you can focus on recovery without worrying about medical expenses.

What we offer

Uninsured Boater Coverage

Not everyone on the water carries adequate insurance, which can leave you vulnerable if you’re involved in an accident with an uninsured or underinsured boater. Our uninsured boater coverage provides protection in these situations, covering your medical expenses and damage to your vessel if the at-fault party lacks sufficient insurance.

Additional Benefits

Towing and Assistance Coverage

If your watercraft breaks down or you run out of fuel while out on the water, our towing and assistance coverage ensures that help is just a call away. This coverage includes towing services, emergency fuel delivery, and assistance with minor repairs, so you’re never stranded on the water.

Agreed Value Coverage

In the event of a total loss, you want to be sure that your insurance policy provides the full value of your watercraft. Our agreed value coverage ensures that you’ll receive the full insured amount for your vessel without depreciation, providing you with the funds needed to replace your boat with a comparable one.

Coverage for Trailers and Accessories

Transporting your watercraft requires specialized equipment, and our coverage extends to trailers and other accessories necessary for safe transport. This ensures that your entire setup is protected, whether your vessel is on the water or being towed to your next adventure.

For Watercrafts

Frequently Asked Questions

  • What does watercraft insurance cover?

    Watercraft insurance typically covers the hull and equipment, liability, personal property, medical payments, and more. It’s designed to protect your vessel, your passengers, and your financial well-being while you’re on the water.

  • Is watercraft insurance required?

    While not legally required in all states, watercraft insurance is highly recommended to protect your investment and liability. Some marinas and lenders may require you to have insurance before docking or financing your boat.

  • How is the value of my watercraft determined?

    We work with you to determine the agreed value of your watercraft when the policy is written. This agreed value will be paid out in the event of a total loss, ensuring you receive the full insured amount without depreciation.

  • Does watercraft insurance cover towing and assistance?

    Yes, our policies can include towing and assistance coverage, which provides services like emergency towing, fuel delivery, and minor repairs if you experience a breakdown on the water.

  • Can I customize my watercraft insurance policy?

    Absolutely. We offer customizable policies that allow you to tailor your coverage to fit your specific needs, whether it’s for additional liability, personal property, or specialized equipment.

Why Choose O'Grady Insurance for Your Watercraft?

Specialized Watercraft Coverage

At O'Grady Insurance, we understand the unique risks associated with owning and operating a watercraft. Our specialized policies are designed to provide comprehensive protection that covers every aspect of your boating experience, from the vessel itself to the equipment, passengers, and more.

Competitive Rates

Protecting your watercraft shouldn’t come with an exorbitant price tag. We work with top-rated insurance providers to offer competitive rates that provide excellent value for comprehensive coverage. With O'Grady Insurance, you get the protection you need at a price that fits your budget.

Personalized Service

Our experienced agents are here to help you navigate the complexities of watercraft insurance. We take the time to understand your specific needs, answer your questions, and tailor a policy that’s right for you. Your satisfaction and safety on the water are our top priorities.

Trusted by Boaters

With over 45 years of experience, O'Grady Insurance has built a reputation for reliability and trust within the boating community. Our long-standing relationships with clients and our commitment to excellence mean that when you choose us, you’re choosing a partner who understands the importance of protecting your time on the water.

We have insurance solutions for you

For auto owners

Customized Auto Insurance Policies

Looking for the perfect auto insurance coverage that fits your unique needs? O'Grady Insurance specializes in providing tailored auto insurance solutions, ensuring you get the best protection for your vehicle without any hassle.

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For homeowners

Comprehensive Homeowners' Insurance

Protecting your home and cherished memories is our priority. Our homeowners' insurance policies are designed to offer comprehensive coverage, giving you peace of mind knowing that your home is safeguarded against unexpected events.

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