Sailboat Insurance – Insurance Associates Agency Inc. Sailboat Insurance |
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Sailboat Insurance, Windjammer, Catamaran, Skiff 45069Sailboat Insurance Programs

Mono Hull, Windjammer, Catamaran, Trimaran & Skiff

Our Sailboat Insurance program policy is designed for your pleasure watercraft of lengths less than 45′ but some carriers will consider sailboats up to 50′ (under most circumstances).  Sailboat Insurance coverage is provided on competitive terms and at the lowest possible price from among many carriers. Sailboat Insurance is for small to medium watercraft that have cabin areas and those without.  Of of the distinguishing characteristics of sailboats is the keel which provide extra lateral stability and provides the ability to convert wind from a side into forward force.  Sailboats have at least one main sail and may have multiple sails and sailboats are designed to be powered by wind over the water rather than by engine power.  Coverage for these boats is sometimes provided within homeowner insurance policies when the sailboats are smaller, usually under 27′ in length.  Sailboat insurance may also fit under homeowner policies because most sailboats have a small pusher motors of less than 25 HP to provide controllable force for maneuvering and instances where wind is not available.

There are a number of coverage endorsements that can be provided to specifically tailor coverage to your sailboat insurance requirements.  Sailboat Insurance policies are unique from one carrier to another so it is not necessarily easy to compare one sailboat insurance policy to the policy of another carrier.  However, there are many common features and endorsements and these are some of them:

Sailboat 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

Sailboat 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
  • Age of Insured Discount
  • Affinity and Alliance Discount

Sailboat Insurance Coverage Endorsements

  • Water Sports or Skier endorsement (not common)
  • Pet Injury Coverage (Some Carriers)
  • Fishing Equipment Coverage
  • Depreciation Deferral (When Option Chosen)
  • 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
  • Bahamas Waters Coverage (22 deg 50′ North latitude)
  • Boat Lift/Cradle/Hoist up to $2,000
  • Trip Interruption

Agent Information for Sailboat Insurance

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 Sailboat Insurance 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 Sailboat Insurance 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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