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With so many insurance companies out there it’s difficult to know where to turn. We shop multiple companies for you and find what fits you best.
General Risk Coverage
This can cover the cost of damage to your boat or trailer. Fire, theft, collisions, storm damage, vehicle accidents and more.
Replacement Cost Coverage
Replaces your boat if it becomes a total loss.
Towing and Roadside Assistance
Towing from the road or on the water.
Property Damage Liability
Protection for damages caused by your boat to other property.
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More About Boat Insurance
These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit for you, within those companies.
Factors for Boat Insurance Premiums
The following factors can affect your boat insurance premium:
- Boating experience
- Driving record
- Credit score
- Financial stability
- Type of boat
- Value of the boat
- Engine size
Total Loss Replacement – replaces insured’s boat with a brand new one of similar make and quality
Actual Cash Value- subtracting depreciation from replacement cost
Agreed Value- in the event of a loss the stated amount is paid without any adjustment for depreciation or appreciation.
- Liability- covers the driver and passengers
- Physical Damage (refer to the three settlement options above)
- Medical payments- be sure this amount covers any passengers, as it is a total amount paid, not per person
- Emergency Towing and Labor- provides on-water towing service
- 24-hour Roadside Assistance- covers trailer and tow vehicle
- Replacement Cost Fishing Equipment- tackle, rods, and reels
- Replacement Cost Personal Effects- protects the insured’s personal items including cameras, clothes, cell phones, etc.
- Vanishing Deductibles- reduces the deductible at each claim-free renewal