Find Boat Insurance from Paradiso Insurance

Regardless of the age or condition of your vessel, buying insurance for your boat is a fundamental part of boat ownership. Whether you go boating regularly or not, you still need the right level of coverage to protect your investment. Boats are big and heavy, and they can cause a lot of damage should something go wrong.

Your Local Experts – We’ve been Insuring Boats for years

As a local boat insurance expert, we understand just how precious your boat is, and we have access to some of the best value boat insurance policies on the market. Our boat insurance agents will take the time to understand how you use the boat and offer guidance as to the most suitable boat coverage for your unique needs.

What events are covered by boat insurance?

If you speak with a number of boat insurance companies or look to get a quote for boat insurance online, there will be differences between the policies you are looking at. A good boat owner insurance policy will usually cover the following:

  • Fire
  • Theft
  • Sinking
  • Explosion
  • Capsizing
  • Storms
  • Collision
  • Stranding

Comprehensive coverage for your boat

At Paradiso Insurance, we have insured hobbyist boat owners right the way through to superyacht owners. As part of our service to you, we’ll help you crunch the numbers and look at the best type of insurance for your boat and your individual circumstances.

When you buy boat insurance, you will typically receive property coverage for the following items:

  1. Electric trolling motors
  2. Anchors and oars
  3. Tools
  4. Dinghies
  5. Removable canopies
  6. Boat, trailer, and motor
  7. Equipment that is attached to the boat permanently
  8. Additional fuel tanks
  9. Life preservers
  10. Seat cushions 

At Paradiso Insurance, we offer a warm welcome, professional boat insurance guidance, and unrivaled expertise in providing our local community, with the best insurance at the most affordable cost.

Disclaimer: This information has been written for the public as informational only. Since coverage varies from state to state, it is important to speak to a licensed insurance agent in your state.

Companies Represented

  • Allstate
  • American Modern Insurance
  • Asi American Strategic
  • Bunker Hill Insurance Company
  • Classic Collectors Infinity Insurance
  • Commerce Mapfre Insurance
  • Foremost Insurance Group
  • Hagerty Insurance
  • Hanover Insurance Company
  • Harleysville Life
  • Harleysville Nationwide Insurance Group
  • Kemper Insurance
  • Main Street America Group
  • Nationwide Insurance
  • Plymouth Rock Ct
  • Progressive Insurance
  • Quincy Mutual
  • Safeco
  • Safeco Roadside Assistance
  • State Auto Insurance Companies
  • Stillwater Insurance Group
  • The Hartford
  • The Hartford Roadside Assistance
  • Travelers
  • Travelers Business
  • Upc Insurance United Property Casualty

Insurance Products Offered

  • Commercial Insurance
  • Parcel Delivery Insurance
  • Personal Insurance

Frequently Asked Questions

  • Do you offer insurance if I rent my boat to others?

    Yes. This is typically added as an endorsement to your standard boat owner’s policy. It is called the ‘boats rented to others’ add-on, and it can help pay for any liability, injury or property damage claims that could be made if your boat is involved in an accident while being rented out.

  • Do I have to buy insurance for my boat?

    Not all states have laws that require you to buy boat insurance, but some will ask that you buy liability insurance for specific types of boats, particularly if they are kept in a state-run marina or used in state parks. If you take out a loan on boat, your bank may ask to see your insurance documents, and your marina may also request that you buy boat insurance as well.

  • Is my boat covered under a homeowner policy?

    Most homeowner insurance policies will have limits on the size and value of boats they will cover. Boat insurance is specifically tailored to the needs of a boat owner, and the majority of boat owner policies will provide coverage on an ‘all risk’ basis.

  • Why should I buy boat insurance?

    Whatever the size or value of your boat, you’ve made an investment to buy and maintain it. Boat insurance provides coverage for both you and your boat should an unexpected event occur. It may include coverage for the boat and its equipment, as well as covering any damage to others and their property. If you are uninsured and you cause damage, you are personally liable for any repairs and settlement costs.

  • Do I need to buy insurance for a boat trailer?

    Boat owner insurance will provide coverage for any physical damage to your trailer, but it will not typically include liability coverage. It’s always best to check if your auto insurance policy will give you coverage for towing a boat trailer before you try to transport a boat anywhere.

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Agency's Business Hours

  • Monday 8:30 AM – 5:30 PM
  • Tuesday 8:30 AM – 5:30 PM
  • Wednesday 8:30 AM – 5:30 PM
  • Thursday 8:30 AM – 5:30 PM
  • Friday 8:30 AM – 5:30 PM
  • Saturday 9:00 AM – 1:00 PM
  • Sunday Closed
  • Mon 8:30 AM – 5:30 PM
  • Tue 8:30 AM – 5:30 PM
  • Wed 8:30 AM – 5:30 PM
  • Thu 8:30 AM – 5:30 PM
  • Fri 8:30 AM – 5:30 PM
  • Sat 9:00 AM – 1:00 PM
  • Sun Closed

States Licensed In

  • Alabama
  • Arkansas
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  • South Carolina
  • Tennessee
  • Texas
  • Utah
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  • Vermont
  • Wisconsin
  • West Virginia

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