Boat Insurance
Protect Your Time on the Water
At Hervey Insurance Agency, our Boat Insurance helps protect your watercraft, passengers, and financial security so you can enjoy every trip with confidence. Whether you own a boat or personal watercraft, we help you choose coverage that fits how and where you use it.
Boat Insurance Coverage, Built for Life on the Water
• Physical Damage Coverage
Helps repair or replace your boat after accidents, theft, or covered losses.
• Liability Coverage
Helps protect you if you’re responsible for injuries or property damage while boating.
• Medical Payments Coverage
Helps cover medical expenses for you and your passengers after a covered incident.
• Uninsured / Underinsured Watercraft Coverage
Protection if you’re involved in an accident with another boater who lacks sufficient insurance.
• Additional Coverage Options
Coverage may be available for trailers, towing, personal effects, or emergency assistance.
Get a personalized boat insurance quote today
Protecting your boat doesn’t have to be complicated. Request a free quote online or speak with a local agent who will help you find coverage that fits your vessel and boating lifestyle.
Why Boat Insurance Matters
Time on the water comes with unique risks. Boat insurance helps protect you from unexpected accidents, injuries, or damage — both on and off the water.
Whether you’re cruising, fishing, or spending time with family and friends, the right coverage helps protect your investment and provides peace of mind.
Boat insurance helps:
✔ Protect your boat from damage or theft
✔ Provide liability coverage for injuries or property damage
✔ Help cover medical expenses after boating accidents
✔ Offer financial protection during unexpected events
Boat Insurance FAQs
Is boat insurance required?
Boat insurance is not always required by law, but it may be required by lenders or marinas. Even when not required, it’s strongly recommended.
What types of watercraft can be insured?
Coverage may be available for boats, personal watercraft, jet skis, and other recreational vessels. Availability depends on the vessel and usage.
Does boat insurance cover passengers?
Many policies include coverage for passengers, including medical payments and liability protection.
Can I bundle boat insurance with other policies?
Yes. Boat insurance can often be bundled with auto, home, or other policies, which may help you save money.
Does boat insurance cover damage off the water?
Some policies may provide coverage while your boat is being transported or stored. Coverage varies by policy.
How do I get a boat insurance quote?
You can request a free quote online or contact Hervey Insurance Agency to speak with a local agent for personalized guidance.
Still have questions?
Our team is here to help. Contact Hervey Insurance Agency today for personalized guidance and insurance options tailored to your needs.
About Hervey Insurance Agency
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