The great state of Pennsylvania is home to a breathtaking 85,000 miles of rivers and streams coupled with 76 natural lakes. Many people enjoy boating, but these waterways can get crowded. Therefore, it’s imperative to have adequate protection. If you don't have boat or watercraft insurance, your next adventure could turn into a nightmare. Fortunately, our insurance agency is here to help you find the best boat/watercraft coverage for your unique situation.
Boat insurance is not required by law in Pennsylvania. However, your boat or watercraft could be a sizable investment and it makes sense to protect that investment. Home and auto policies won’t cover most damage or liability resulting in claims involving a boat or watercraft. If you don’t have proper protection, you could be setting yourself up for major losses.
There are several types of boat insurance to choose from and we will tailor an insurance plan specifically for you. Some of the most common insurance that we assist our clients with include:
Actual Cash Value – In the event of a total loss, you would be covered for the current value of the boat, minus the deductible. In the event of a partial loss, you would be covered for the depreciated value of the lost or damaged portion of the boat.
Agreed Amount Value– In the event of a total loss, you would be covered for an agreed upon value, minus the deductible, that was established when you purchased the policy. A partial loss would cover you on a replacement cost basis, minus the deductible.
Replacement Cost– In the event of a total loss, this would cover the cost to replace your boat with a similar boat.
In addition, we can assist you with Fuel Spill Liability and Wreckage Removal, Personal Effects, Unattached Equipment, Emergency Assistance coverages, and more.
Call our offices in Washington, 724-437-7147, or in Uniontown, 724-222-3690, to tailor a boat insurance plan unique to your lifestyle.