Boat/Watercraft Insurance

It's crucial to ensure that your boating activities in Pennsylvania are safeguarded with reliable boat insurance from The Daley Agency, whether you are an experienced boater or recently purchased a boat and are still a beginner. Though boating accidents may not frequently happen, like car accidents, property damage related to watercraft can be pretty costly, so it's pivotal to safeguard the investment you have made in your watercraft. You can enjoy traveling the water without being worried about the safety of yourself, passengers, or your investment. Contact our agents at The Daley Agency, serving Pennsylvania, to educate yourself more about boat insurance and begin comparing customized quotes.

Is boat insurance mandatory in Pennsylvania?

Unlike auto insurance, boat insurance isn't required in Pennsylvania. However, if you need to register your watercraft with the state, you must have boat insurance. Additionally, if you financed the purchase of your watercraft, your lender might require you to maintain boat insurance until you clear your outstanding loan.

Types of boat coverage options in Pennsylvania

• Collision coverage: It caters to repairing or replacing your watercraft if it is physically damaged by colliding with another boater or other stationary objects like rock outcrops in water.
• Uninsured or Underinsured boater coverage: Boat liability in Pennsylvania is not legally required, and many boaters indulge in waters without any coverage. This policy is tailored to pay for injuries you sustain aboard your boat after engaging in an accident with another boater inadequately covered or who has no liability insurance.
• Medical Payments Coverage: This policy reimburses costs that cater to medical bills such as surgery, x-rays, and other hospital prevailing expenses if someone gets injured while boarding your boat.
• Comprehensive coverage: It pays for repairing or replacing your vessel after physical damage emanating from non-collision incidents in water such as hail, falling objects, fire, and vandalism.
• Boat insurance property coverage: It helps to safeguard your boat and other watercraft from imminent risks. It repairs your watercraft damaged in an accident and will replace your boat if stolen in water.
• Liability coverage: If you propagate an accident that damages another person's property with your boat, this policy will help to settle for the expenses you incur.

Are you a boat owner searching for boat insurance that instills peace of mind while exploring Pennsylvania waters stress-free? Call or visit our agents at The Daley Agency and get assistance with finding a reliable insurance policy that can handle your lifestyle.