What floats your boat?

Getting out on the water in your boat, jet ski, or other watercraft is a great way to escape the pressures, demands, and concerns of everyday life. But, without the proper insurance coverage, owning a boat can lead to problems that are all too real.

Let’s make sure your “financial boat” doesn’t sink should you hit any unforeseen crosswinds or rough water.

Boat in water with wake

Ensuring Adequate Protection

Many people rely on their homeowner’s insurance to cover their watercraft, thinking they are adequately protected. But, in reality, homeowner’s policies usually place numerous restrictions on boat owners, depending on the size of the craft, it’s horsepower, and the damage coverage you expect.

The truth is that if you don’t carry a specific boat insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage, or sink — or a guest causes an accident.

Unfortunately, many people don’t think about their boat insurance before they have an accident. And, particularly if the policy was bought through a price-comparison series of calls, you may find that the coverage was not adequate. This is why a local agent like Graham can make such a big difference. We have the knowledge and experience to read the policy, compare it to others with the same levels of protection and make a recommendation that gives you the coverage you need at the best possible price.

What Boat Insurance Covers—and What’s Optional

The most important thing we cover are the things that are important to you. Typical coverages should include:

Liability Icon


Medical & Physical Icon


Boat, Motor,
& Trailer

And we provide insurance for the following types of boats and personal watercraft:


Mini Jet Boat




House Boat

Cabin Cruiser


Don’t see your craft listed? Give us a call!

We also work with carriers who provide multiple boat insurance discounts, which reduces the cost but gives you the exact same high-quality coverage. Here are just a few ways you may be able to save, including if you …

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

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.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.