J. James Wolfe Agency, Inc.

Canandaigua (585) 394-2790

Brighton (585) 235-4910

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Boat Insurance

Whether you’re a powerboater or a sailor, you’ll want to make sure your boat is covered from bow to stern. Insurance can help keep your investment safe.


Everyone wants to have a safe experience while they’re out on the water, but if there’s an accident; insurance could help cover you, your passengers and your boat.

If you’re new to boating, you might think you’re covered by home insurance, but the policy is not designed to offer you that protection. You need to buy a separate boat policy.

Some banks, marinas or states may require you to have boat insurance. For instance, to get a loan on your boat, most banks will want you to have boat insurance. Your marina may also want proof of insurance before they let you use the slip. Some states require insurance coverage, too.

At Erie Insurance, we want to help you protect the things that are important to you – and if you love the water – that includes your boat. ERIE offers coverage for sailboats, powerboats, houseboats and inboard or outboard motorboats as well as jet skis, wave runners and wave jammers.

If something unexpected happens, ERIE’s boat insurance policy could help cover1:

Medical costs for injuries to you, your family members and others
Liability for injuries or harm to other people or property
Physical damage for damage to your boat and its equipment (including the trailer or outboard motor, if included on your policy)
With ERIE’s property damage coverage, you’d be covered if your boat hits a rock, log or other marine obstacle. We also offer coverage if your boat is vandalized or stolen. Plus, we’ve built-in extras, including coverage for1:

Emergency towing to the nearest marina2
Fire extinguisher recharge or replacement3

If you take a navigational safety course, you could save money on your policy. Ask your agent for more information.

There are lots of things that we consider when pricing your boat insurance such as how much coverage you need and your boat’s location, size, age, power type and more. Let us help.A local Erie Insurance agent can help you determine exactly what you need.
1Coverage is subject to policy provisions. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for additional information.
2Limited to $250 per occurrence with no deductible. Additional coverage is available for purchase.
3Up to $500 in coverage, with no deductible, after the extinguisher is used in a covered fire.


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