NEED HELP?
Call us at 607-965-6099or send us a fax at 607-965-7798
We accept boats up to 64 feet in length, 70 m.p.h. (faster for some classes), and $1 million in value (most states).
In some states we offer a special program just for yachts, and a Jet Ski® or Wave Runner® Qualify for protection under our personal watercraft program.
Endorsing a boat to a homeowners policy provides very limited coverage with many exclusions.
Valuation - With a homeowners endorsement there is likely a cap which is well below the boat's value. A boat policy covers the boat's agreed value or even its replacement cost.
Liability - A boat policy offers separate liability provisions from what applies to your home, as well as higher limits and other coverage options such as water sports participation.
Options - A good boat policy is all about full protection and options, such as emergency assistance, protection from uninsured or under insured boats, loss of fishing gear, and more. Endorsing a homeowners policy offers no options.
Perils - With an endorsement, the list of covered perils is limited. A boat policy offers a comprehensive list.