We'll Shop Insurance For You

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.

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:

  • Age
  • Drivers
  • Boating experience
  • Driving record
  • Credit score
  • Financial stability
  • Type of boat
  • Value of the boat
  • Engine size

Settlement Options:

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.

Optional Coverage:

  • 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.

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