Canandaigua (585) 394-2790
Brighton (585) 235-4910
J. James Wolfe Agency, Inc.
Let our experienced staff provide you with HOMETOWN service. Local and professional, Wolfe Insurance is committed to
Tips to Choosing Watercraft Insurance
Watercraft insurance protects several kinds of Boats and PWCs, which means watercraft insurance policies can differ based on what you have. Here are a few tips to help you find the right Boat or Watercraft Insurance:
Look beyond your homeowners policy
Your Boat or Personal Watercraft may be too big or too expensive to be covered through a homeowners policy, which means you may need watercraft insurance to protect it. Most insurance companies accept Boats up to 50 feet long and up to $250,000 in value, as well as Personal Watercraft up to 15 feet long and $27,000 in value. Even if your Boat is eligible for Watercraft Insurance coverage under your homeowners policy, you still may want specialized coverage’s that you just can't get with a standard homeowners policy.
Consider specialized coverage’s
Watercraft Insurance coverage’s go beyond the scope of a standard homeowners policy to include Roadside Assistance, which covers towing of your Boat or Personal Watercraft for FREE, as long as your trailer is covered; On-Water Towing, in case you're stranded on the water; and Uninsured Boaters coverage. You can also choose Fuel Spill Liability and Wreckage Removal coverage with most Watercraft Insurance. Without these Watercraft Insurance coverage’s, you may end up getting stuck with the bill for cleanups and removals. Personal Effects and Fishing Equipment coverage’s are also available.
The Finger Lakes Area Boat Insurance Provider
Boat and Personal Watercraft Insurance
Boat and Personal Watercraft Insurance goes beyond the scope of a standard homeowners policy. Making sure your Boat or Personal Watercraft has the right coverage is our top priority. We're avid boaters as well. Combined, the staff at the J. James Wolfe Agency has more than 80 years of experience on the open-water. You can rely on us as the Finger Lakes area Boat Insurance experts. After all, we love boating as much as you do.
When you are ready to enjoy the comfortable, trustworthy service of the area's largest locally owned Insurance Agency, we're here for you. Please contact one of our two locations by dialing (585) 394-2790 for our Canandaigua office or (585) 235-4910 for our Brighton office. Better yet, stop in and meet us in person. We look forward to meeting you.
What is Boat/Personal Watercraft Insurance?
A Boat and Personal Watercraft Insurance Policy provides boaters with specialized coverage designed for your Boat or Personal Watercraft. Insurance options range from Personal Effects Replacement to Fuel Spill coverage, which means you can relax on the water knowing you're protected.
A standard Watercraft Insurance provides Bodily Injury Liability, Property Damage Liability, and Medical Payments. Physical Damage coverage can be purchased. Boat Insurance policies are flexible and can be tailor-made based on your needs. Additional coverage’s include Personal Effects Replacement, On-Water Towing and Labor Coverage, Fishing Equipment, and Fuel Spill Liability. For a complete breakdown of optional coverage’s, view the Boat Insurance links on this page.
Making Waves? Protect Your Boat
Many people believe sailboats or powerboats are covered under their auto or homeowners policies. But, for most insurers, that isn't the case. Consider this:
• Typically, an auto policy won’t provide liability or physical damage coverage for a boat.
• Most homeowners policies provide a limited amount of coverage for physical damage to boats. They also restrict automatic liability coverage to low-powered boats.
Large, fast motorboats, yachts and personal watercrafts such as jet skis and wave runners require a separate boat insurance policy. Boat insurance offers coverage for things like:
• Bodily injury - for injuries caused to others, such as swimmers, jet skiers or other boaters
• Property damage - for damage caused to someone else's property
• Theft and vandalism – that can occur on land or in the water
• Medical payments - for injuries to the boat owner, family members and others who are injured
ERIE’s Boat Protector Policy
With a policy from Erie Insurance, you’ll get comprehensive coverage that covers many types of losses. It will cover, for example, damages resulting from a collision, fire or lightening. ERIE offers:
• Up to $500 in coverage for boating equipment and accessories at no additional cost
• Payments up to $250 per occurrence for emergency towing to the nearest marina, if your boat is disabled
or stranded on the water
• $1,000 coverage of non-owned property
• $500 fire extinguisher recharge
For an additional premium or fee, ERIE also offers optional coverage such as uninsured boater protection. This coverage protects you should you be involved in a boating accident caused by a hit-and-run boater or a boater who has no insurance. Credits are available, too, for things like radars, built-in fire extinguishing systems and ship-to-shore radios.
So, if you have a boat or are thinking about getting one, contact us. We will review your coverage and help ensure that your boat is properly insured. Call our Canandaigua office at 585-394-2790 or our Brighton office at 585-235-4910.