At Allan Block, we have access to a broad range of insurance products to insure small watercrafts as well as yachts. We also insure recreational vehicles like jet skis, pontoon boats, etc.

And remember, proper watercraft insurance covers liability for negligence for which you may be found for any boating accident as well as covering the hull.

It is important to note that your policies provides coverage for where you are navigating the boat. For example, if you purchase inland water rates but use the boat in coastal waters, you have no coverage. That is the kind of risk, we at Allan Block Agency work with you to insure you have the proper coverage.

Many policies which provide coastal water coverage have limits as to how far from the coast you can navigate the boat. Policies also have a time period coverage which we at Allan Block are always sure to make our clients aware of. For example, a watercraft policy may only cover the boat owner from April to October. So even if it is a beautiful day in November, the boat owner will know that he boat is uninsured and should remain in the dock.

Another area of watercraft coverage about which clients rarely think but is worthy of consideration is environmental impact fines. For example, if your boat sinks, you want to be sure that your policy covers retrieving the boat from the bottom as well as covering any environmental fines, which are often involved in such case.