Watercraft & Boat Insurance

Owning a boat opens up a world of adventure on lakes and waterways. At Arches Insurance, we understand how important it is that your investment and time on the water remain enjoyable despite unexpected events that may come your way.

Our team is dedicated to helping boat owners find the right boat insurance solutions for their needs.

What Does Boat Insurance Cover?

Boat insurance, also known as watercraft insurance, is designed to safeguard your vessel and your financial well-being. Typical coverage options may include the following:

• Physical damage coverage may help pay for repairs or replacement if your boat is damaged by events such as collisions, storms, fire or theft.
• Liability coverage can cover costs if you’re responsible for injuries or property damage to others while operating your boat.
• Uninsured/underinsured boater coverage may help if you’re involved in an accident caused by a boater who lacks adequate insurance.
• Personal effects and equipment coverage may assist with fishing gear, electronics and other personal items on board, up to policy limits.

Who Needs Boat Insurance?

While boat insurance may not be required by law, many marinas and lenders may require proof of coverage. We recommend boat insurance for:

• Owners of motorboats, sailboats and personal watercraft (like Jet Skis)
• Anyone financing or leasing a boat
• Boaters who store their vessels at marinas or transport them on trailers
• Those who want to cover themselves from liability and unexpected repair costs

Factors That Affect Your Policy

Several factors can influence your boat insurance options and premiums, including the following:

• Type, size and value of your boat
• How and where you use your watercraft
• Safety features and storage methods
• Your boating experience and claims history

How Our Team Supports Boat Owners

At Arches Insurance, we take the time to understand your boating usage and recommend coverage that fits your needs. We work with leading insurers to offer a range of options, so you can choose the insurance plan that gives you peace of mind, whether you’re cruising on a lake or exploring new destinations.Contact our team today to discuss your boat insurance options.