Boat Insurance - Ellis Agency Insurance

Boat Insurance

A common misconception that many people have about boat insurance is that it does not include the contents of the boat. This is not true. Most common boat insurance policies only cover damage to the hull and the engine itself. They do, however, cover property damage, theft, and medical and liability expenses, each with separate deductibles. Your insurance company may also offer additional, optional protection for boat trailers and personal boat accessories.


Liability insurance is an absolute must for any boat owner. This type of insurance covers damage to or theft from your boat, as well as personal injury claims. It pays for repairs on the boat, including repairs to personal property on the boat. You may also want to have a personal accident protection policy that pays you a claim if you are involved in a boat accident while on the water. The amount of insurance you need will depend upon the size and condition of your boat and the type of owner that own it. If the boat has been out on the water for some time, there is more risk for theft from it. The more expensive boats with higher value tend to have better coverage rates.


If you want a boat insurance policy that covers all of the above items, you will want to check with multiple insurance companies. There are usually discounts available for purchasing more than one policy through a company. Be sure to read all policy clauses carefully. Don’t forget to contact your insurance agent if you have any questions or concerns. Make sure that you always know what your coverage limits are, even if your boat goes down under you. This can help you avoid costly problems in the future. Make sure you have all of your paperwork together before heading out on a trip.

Your boat is an investment that brings enjoyment and adventure into your life. At Ellis Agency Insurance, we offer comprehensive boat insurance policies that protect your investment and help you enjoy your time on the water with peace of mind.

Our boat insurance coverage includes the following:

  • Liability Coverage: This coverage helps protect you financially in case of an accident on the water where you are found to be at fault.
  • Physical Damage Coverage: This coverage helps protect your boat from damage caused by accidents, weather-related events, theft, and vandalism.
  • Uninsured/Underinsured Boater Coverage: This coverage helps protect you in case you’re involved in an accident with another boater who doesn’t have enough insurance to cover the damages.
  • Personal Property Coverage: This coverage helps protect your belongings on your boat, such as fishing gear, water sports equipment, and electronics.

At Ellis Agency Insurance, we understand that every boat owner has unique needs, so we offer customized policies that fit your situation. Our experienced agents will work with you to find the right coverage options that meet your needs and budget.

Why Choose Ellis Agency Insurance for Boat Insurance?

  • Personalized service from experienced agents
  • Competitive rates and flexible payment options
  • Convenient online tools to manage your policy
  • Fast and efficient claims processing

Protect your investment and fun on the water with our comprehensive boat insurance coverage. Contact us today or request a quote to learn more about our boat insurance policies and how we can help ensure you enjoy your time on the water with peace of mind.

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