General Risk Coverage
This can cover the cost of damage to your boat or trailer. Fire, theft, collisions, storm damage, vehicle accidents and more.
Replacement Cost Coverage
Replaces your boat if it becomes a total loss.
Towing and Roadside Assistance
Towing from the road or on the water.
Property Damage Liability
Protection for damages caused by your boat to other property.
More About Boat Insurance
These are some factors (not all) that Heritage Insurance Agents will assess in determining which of our companies fits your risk management needs. We will then shop the price to ensure the best fit for you, within those companies.
Factors for Boat Insurance Premiums
The following factors can affect your Boat Insurance Premiums:
Age
Drivers
Boating experience
Driving record
Credit score
Financial stability
Type of boat
Value of the boat
Engine size
Optional Coverage:
When you purchase property insurance for your home, you typically have a choice of three different levels of coverage: Basic, Broad and Special. These three options are available on the dwelling itself and your belongings.
Emergency Towing and Labor
Provides on-water towing service.
24-hour Roadside Assistance
Covers trailer and tow vehicle.
Replacement Cost Fishing Equipment
Tackle, rods, and reels.
Replacement Cost Personal Effects
Protects the insured’s personal items including cameras, clothes, cell phones, etc.
Vanishing Deductibles
Reduces the deductible at each claim-free renewal.
Have a Question?
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