Small Boat Insurance for Inflatables, Row Boats & Canoes 45069Boat Insurance for Small Boats

Dinghy, Canoe, Inflatables, Row Boats

Our boat insurance for small boats policy is designed for small pleasure watercraft of lengths less than 16′ (under most circumstances).  Coverage is provided on competitive terms and at the lowest possible price from among many carriers.  Coverage for these boats is sometimes provided within homeowner insurance policies because the values are relatively small and the horse power of motors used with these watercraft are usually 25 HP of less.  There are a number of coverage endorsements that can be provided to specifically tailor coverage to your specific requirements.  Boat insurance for small boats policies are unique from one carrier to another so it is not necessarily easy to compare one boat insurance policy for small boats to the policy of another carriers.  However, there are many common features and endorsements.

Boat Insurance for Small Boats – Policy Features

  • Agreed Value Loss Settlement (Most Carriers when endorsed)
    • Actual Cash Value is the standard coverage
  • Vanishing Deductible
  • Waiver of Depreciation
  • Hurricane Emergency Haul Out Expense
  • Replacement Cost for Total Loss
  • Wreckage Removal
  • Fuel Spill Liability
  • Small Boat Insurance Underwriting Considerations

Boat Insurance for Small Boats – Available Discounts

  • Multi-Unit (More than one boat insured)
  • Multi-Policy (Certain Carriers)
  • Lay-up period (when boat is stored)
  • Advance Quote Discount
  • Boater Association Discount
  • Original Owner Discount (Some Companies)
  • Paid in Full Discount
  • Prior Insurance/Transfer Insurance Discount
  • Protective Device Discount
  • Boating Safety Course
  • Claims and Violation Free Discount
  • Transfer Discounts
  • Accident Forgiveness – Small Claim Forgiveness (Come Companies)
  • Credit Based Discounts using Credit Score
  • EFT Payment Method Discount

Boat Insurance for Small Boats Coverage Endorsements

  • Water Sports or Skier endorsement (not common)
  • Pet Injury Coverage (Some Carriers)
  • Fishing Equipment Coverage
  • Uninsured Boaters Coverage
  • Personal Effects Replacement Cost
  • Boater Towing & Assistance
  • Trailer Trip Interruption Coverage
  • Coverage for Trailers
  • Propulsion Breakdown Coverage (Some Companies)
  • Extended Coastal Navigation up to 125 miles
  • Mexico Physical Damage Coverage

Boat Insurance for Small Boats Agent Information

Insurance Associates Agency Inc. is licensed in Ohio and Michigan for multiple lines of insurance.  The principle agent is Terry McCarthy.  Terry has spent much of his life within an hour or two of the Great Lakes in Michigan and Ohio.  Having been around boats all his life he is uniquely qualified to assist you in finding Boat Insurance for Small Boats for your present or soon-to-be-acquired new watercraft.  Whether you find the allure of a peaceful weekend or early morning fishing on your small boat, time on a boat is a reward for working hard every day.  In the Midwest we are blessed with great natural resources for boating and recreation and Terry stands ready to assist you in you in finding Boat Insurance for Small Boats and is able to answer your questions and insurance needs.  You can reach Terry Monday through Friday, from 9-5 most days for your questions by calling (513) 779-7920.  Other hours are available by appointment, and of course, Terry is available 24 hours a day for emergencies.  The office address is 8114 Paul Manors Dr., West Chester, OH  45069.  Toll free:  (800)823-9643


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