Boat Insurance
Owning a boat means freedom, fun, and time on the water-but it also means taking care of the unexpected. At The Mackrides Insurance Group, we help boat owners across Pennsylvania find coverage that protects their vessels, equipment, and passengers. Whether you enjoy weekends on Lake Wallenpaupack, the Delaware River, or the Chesapeake Bay, we'll make sure you're covered before you set sail.
Do I Need Boat Insurance?
While Pennsylvania doesn't legally require boat insurance, most marinas, lenders, and storage facilities do. A boat policy helps protect your investment and your finances.
Protects Your Vessel
Boat insurance helps pay for repairs or replacements after accidents, storms, or theft.
- Covers hull and engine damage
- Includes protection for trailers and equipment
- Helps replace stolen or destroyed gear
Covers Liability
Accidents on the water can lead to costly claims if someone is injured or property is damaged.
- Pays for medical expenses and legal fees
- Protects against collisions or dock damage
- Covers guest injuries onboard
Protects Against Non-Collision Events
Your boat is vulnerable to more than just accidents.
- Coverage for fire, theft, or vandalism
- Storm and weather-related protection
- Salvage and wreck removal options
Peace of Mind on the Water
From local lakes to coastal trips, knowing you're covered means you can focus on fun, not risk.
- Confidence during peak boating season
- Affordable protection for seasonal or year-round use
- Coverage for fishing gear and personal effects
Boat policies are built to protect your vessel and the people who use it. Key coverages include:
What Does Boat Insurance Cover?
Hull Coverage
Repairs or replaces your boat after an accident or covered incident.
Liability Coverage
Covers injuries or property damage you cause while boating.
Medical Payments Coverage
Pays for medical costs for you or your passengers.
Comprehensive Coverage
Protects against theft, vandalism, fire, or weather damage.
Uninsured Boater Coverage
Covers injuries caused by other boaters without insurance.
Understanding Boat Insurance Options
Your boat type, size, and usage will determine the best coverage. We'll help you choose from:
- Agreed Value vs. Actual Cash Value - Decide how your boat is valued at claim time.
- Trailer & Equipment Coverage - Extend protection to trailers, motors, and fishing gear.
- Seasonal Storage Options - Reduce costs during the off-season while keeping coverage in place.
- Multi-Policy Discounts -
Save by bundling boat insurance with home, auto, or umbrella policies.
Frequently Asked Questions
Is boat insurance required in Pennsylvania?
Not by state law, but it's often required by marinas and lenders. We recommend it for all boat owners.
Does boat insurance cover fishing gear?
Yes, many policies cover rods, reels, and other personal effects. Additional coverage can be added if needed.
Can I insure my boat just for the summer?
Yes. Seasonal policies are available and can be tailored to when your boat is in use.
Does boat insurance cover damage during towing?
Boat policies can cover damage during towing, but your auto policy may also apply. We'll make sure there are no gaps.
What factors affect the cost of boat insurance?
Your boat's size, value, engine type, and how often you use it all impact premiums.
