Small Boat Insurance, Runabouts, Cabin Cruiser West Chester, OH 45069SMALL BOAT INSURANCE

Pleasure Watercraft Less Than 27 Feet

Our small boat insurance policy is designed for small pleasure watercraft of lengths 27′ and less.  Coverage is provided on competitive terms and at the lowest possible price.  There are a number of coverage endorsements that can be provided to specifically tailor coverage to your specific requirements.  Most small boat insurance policies are unique so it is not necessarily easy to compare one small boat insurance policy to the other.

Small Boat Insurance – 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

Small Boat Insurance – 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

Small Boat Insurance Coverage Endorsements

  • Water Sports or Skier endorsement
  • 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

About the Small Boat Insurance Agent

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 small boat insurance for your 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 your small boat insurance 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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