Boat

For many, a boat isn't just a vehicle—it’s a gateway to weekend getaways, sunrise fishing trips, and lifelong memories with family. But the open water comes with its own unique set of risks. Whether you're navigating coastal currents or enjoying a quiet afternoon on the lake, the right boat insurance ensures that a mishap on the water doesn't become a disaster on land.

Jump to the form.

Online Quote Form

From our agents

One of the biggest mistakes we see boaters make is choosing a policy based on the lowest premium without looking at how a total loss is paid out. Most 'bargain' policies use Actual Cash Value, which factors in depreciation—meaning if your five-year-old boat is totaled, you might only get a fraction of what you originally paid. We almost always recommend an Agreed Value policy for our clients. It locks in a set value for your boat upfront, so if the unthinkable happens, you know exactly what your check will look like. It’s the best way to ensure you can actually afford to get back on the water.

When people think of boat insurance, they usually just think of the hull. But as agents, we remind our clients to look at the 'extras' that make the trip possible: your trailer and your gear. Many policies don't automatically include the trailer, and if you have thousands of dollars in high-end fishing tackle or water sports equipment, a standard limit might not be enough. We help you audit your 'on-board' inventory to make sure your electronics and gear are fully scheduled. A quick 10-minute review with us can prevent a $5,000 out-of-pocket surprise later.

What does a commercial policy cover?

Although specialized commercial insurance policies exists for most businesses, there are a few policies that close to ever business obtains. The Business Owners Policy (BOP) is a cost effective way to obtain broad coverage for property and liability risks. Like a Commercial Package Policy (CPP), a BOP is a great place to start, covering property and general liability. The benefit with a BOP is that unlike a CPP, various other coverages are included. Depending on your business needs, you may want to explore specialized policies. Although a BOP may include coverage for example, cyber, it is often much less comprehensive and/or has lower limits than a dedicated policy. Specialized policies such as cyber are becoming increasingly relevant because of this.

Use the below button to request a Briggs agent review your current policy and investigate competitive alternatives.

FAQs

Why Specialized Boat Coverage Matters

Standard homeowners policies often provide limited protection for watercraft. To truly protect your investment, you need a policy tailored to the specific way you boat. Our coverage options include:

  • Protection for your hull, motor, and equipment against accidents, storms, and theft.

  • Essential protection if you are responsible for damage to another boat or injuries to others.

  • Coverage for medical expenses for you and your passengers.

  • From roadside assistance and towing to fishing equipment and fuel spill protection.

Looking for more information?

Briggs is open Monday-Friday, 8-5 EST.

Email: contact@briggsagent.com

Phone: 508-758-6929