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L & S Agency Inc.

3868 S Park Ave
Blasdell, NY 14219

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New York Boat/Watercraft insurance coverage

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Boat/Watercraft Insurance

Did you know that boat insurance is among the oldest forms of insurance? The ancient sailors insured their boats against hurricanes and other boat-related risks. At L & S Agency Inc., we recommend buying enough boat insurance before setting out to sail. Boat insurance varies from one policyholder to another. So if you are looking to buy one, here is what you need to know.

Home insurance can only cover small boats

Get this right. If you don’t have boat insurance, you are underinsured. Home insurance has size restrictions, limitations on damage coverage, and horsepower. The coverage limits vary by state, contract and insurance company. If you own a small boat, be sure to ask about the amount of coverage needed.

Boat insurance: Basic coverages

Boat insurance was designed to cover your motorboat, sailboat or private watercraft if stolen, vandalized or damaged in an accident like fire. Boat insurance also protects you if you accidentally injured someone or damaged their property while using your boat. Boat insurance covers:

  • Bodily injuries to other people
  • Theft of the boat
  • Medical payments if you are injured
  • Theft or loss of personal belongings
  • Physical damage to the boat
  • Boat Parts and accessories

How much boat insurance should you buy?

Every boater’s insurance needs are different. That means no two policyholders will pay the same amount of insurance for their boats. To understand how much insurance to buy, you need to consider your risks and how you will be using your boat. For instance, if you only use your boat during summer, the chances of filing a claim against snow damage are almost nil. If you are using your watercraft every day, you may need more insurance than other occasional boaters. You can discuss with your insurance provider to guide you on which coverages to focus on and how much insurance to buy.

L & S Agency Inc. offers a wide range of customized boat insurance policies. Contact us for more information, quotes or new policy discussions.


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Servicing States

  • New York
  • Pennsylvania
  • Mississippi
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