Insuring your boat or yacht protects your watercraft and crew. You can get coverage for an affordable price. Contact your McCartin Insurance agent for a boat insurance quote today. We insure boats in Maryland, Pennsylvania, Virginia, West Virginia, Washington DC, Ohio and North Carolina. We’ll help insure your boat from stem to stern so you can enjoy your time on the water.
Learn more about boat insurance
Doesn’t homeowner’s insurance cover my boat and/or personal watercraft?
Probably not. A homeowner’s policy often has size restrictions, limitations on horsepower, and damage coverage. Without a separate boat and/or personal watercraft policy, you may be under-insured.
What does it cover?
Can include coverage for mechanical breakdown, uninsured boaters, personal property, medical payments, commercial towing, trailer, spills of fuel and a dinghy.
Physical Damage Coverage
In case a boat collides with a submerged object or another boat, physical damage is covered.
Damage to other people’s property or bodily injury to other people.
Personal Property Coverage
Covers personal property on the boat. This includes but is not limited to cameras, sound systems, personal items and clothing.
Towing Assistance Reimbursement
If your boat needs to be towed to a repair facility when it’s inoperable and you’re stranded, you’re covered. Gas delivery for boatside assistance are also available.
Flexible Pricing Available
Options include deciding between agreed value or actual cash value coverage. Agreed value offers “replacement cost” on covered partial losses of your ship, and it’s accoutrements. Actual cash value provides a premium discount and in the event of a loss, payment is based on a depreciated value.
Saving on Boat Insurance with Discounts
Contact us to discuss the different ways to save on boat insurance. We offer multi-policy discounts if you’re a current McCartin auto policyholder. Save more with additional discounts for a good driving record or for taking a boat safety course. Passing a boat safety course increases your chances for safe fun on the water and a better rate on your insurance!