Boating Insurance

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Stay Afloat with Comprehensive Boating Insurance

Boating Insurance

Protection for Your Boat, Passengers & Gear


Whether you’re cruising the Finger Lakes or fishing in Lake Erie, boating insurance ensures you’re covered against accidents, weather damage, and theft.


  • Covers boats, jet skis & personal watercraft
  • Liability protection for injuries & property damage
  • Local expertise in NY boating insurance

What Does Boating Insurance Cover? 

Physical Damage Coverage

Protects against damage from:


  • Collisions
  • Fires
  • Storms & lightning
  • Theft & vandalism
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Liability Coverage

If you accidentally injure someone or damage another boat, this covers:


  • Medical bills
  • Legal fees
  • Property repairs

Towing & Emergency Assistance

If your boat breaks down, coverage can include:


  • Towing
  • Fuel delivery
  • Emergency repairs
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Boating Insurance FAQs

  • Is boat insurance required in NY?

    While it’s not mandatory, it’s highly recommended—especially for liability protection.

  • Does homeowners insurance cover my boat?

    Most homeowners policies provide very limited coverage—a separate boating policy ensures full protection.

Ready to Hit the Water? 

Get the boating insurance you need before your next adventure.

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Tailored Coverage

Plans that fit your needs & budget

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 Local Expertise

Serving Buffalo, Rochester & surrounding areas

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Top-Rated Providers

Access to multiple carriers for the best rates

Call (585) 663-1810 Today or request a free quote now!