Boat Insurance

Lake Ontario, the Finger Lakes, the canal. Wherever you put in, boat insurance covers your boat, your motor, your trailer, and the people on board. We'll find coverage that fits your time on the water.

Collin and Allison of The Pack Agency with their dogs Frankie and Walter

What it covers

What affects your rate.

Boat rates depend on the boat and how you use it:

The boat's size, age, and horsepower
Where you boat and where you store it
Your boating experience and claims history
Lay-up periods in the off season
Bundling with home or auto coverage

Questions we hear a lot

Does my homeowners policy cover my boat?

Only barely. Most homeowners policies cap boat coverage at a small limit with little or no liability. A real boat policy closes that gap.

Do I need coverage in the winter?

Yes, but less of it. Boats get damaged in storage too. We can set a lay-up period so you're covered without overpaying.

Is my fishing gear covered?

It can be. Tell us what you carry on board and we'll make sure the equipment limit fits.

What if I only boat a few weekends a year?

Coverage can be priced for occasional use. Tell us how you actually boat and we'll quote it that way.

Cover the boat before the next launch.

A quick quote now means one less thing to think about on the water.