Boat Insurance in Boyertown, PA

Just as a life jacket protects, boat insurance can help keep you afloat financially if something goes wrong. It can cover a range of mishaps that could happen with your boat, including accidents and theft.

What Is Boat Insurance?

Boat insurance is a contract between you and an insurance company. You agree to pay a premium, and in return, the insurer may cover the costs for certain types of damage or loss outlined in your policy. Imagine you’re enjoying the water, but an unexpected storm hits or you accidentally bump into another boat. Without insurance, you could face significant expenses to repair your boat or cover someone else’s injuries. In these scenarios, boat insurance can cover costs from accidents, theft or injuries that might happen on your boat.

Pennsylvania does not require boat insurance, but it’s still a wise investment. Marinas typically ask for proof of liability insurance before finalizing mooring contracts. Additionally, if you have a boat loan from a bank, you’ll likely need to provide proof of insurance.  

How Much Does Boat Insurance Cost?

Various factors may impact the cost of boat insurance. Insurers typically consider the following when calculating your premium:

• Type of boat
• Boat’s age
• Boat’s location
• Your boating history
• How you use your boat

For accurate pricing, talk to an insurance agent who can provide tailored information based on your needs and circumstances.

Contact Our Agency

The agents at Gerhart, Hartman & Ritner are experts at providing optimal boat insurance options. Contact us today to learn more.