Boat Insurance

Enjoy your time on the water

Boat & Marine Insurance

The Resource Center has policies for most types of boats, including bass boats, cruisers, fishing boats, pontoons, runabouts, sailboats, catamarans and utility boats. Although liability coverage through your homeowners policy may be available, we recommend a separate boat insurance policy with property and liability coverage. If you’re a boat owner looking to get coverage, contact our professionals at The Resource Center.

Determine which level of coverage is right for you

Boat Coverage

  • Liability Coverage

    Most companies offer liability limits that start at $100,000 and can be increased to a million. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments. Higher limits may be available.

  • Actual Cash Value Policy

    Actual Cash Value policies pay for replacement costs less deductible at the time of the loss. In the event of a total loss, used boat pricing guides and other resources are used to determine the vessel’s approximate market value. Partial losses are settled by taking the total cost of the repair less a percentage for depreciation.

  • Agreed Amount Value

    This type of policy means that you and your insurer have agreed on the value of your vessel and in the event of a total loss you will be paid that amount. Agreed Amount Value policies also replace old items for new in the event of a partial loss, without any deduction for depreciation.

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