Wolfe Insurance Agency

Canandaigua (585) 394-2790

Brighton (585) 235-4910


WHY YOU NEED BOAT INSURANCE - ERIE INSURANCE

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.

HOW INSURANCE CAN HELP PROTECT YOU AND YOUR BOAT

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 for:

  • Emergency towing to the nearest marina
  • Fire extinguisher recharge or replacement

Coverage 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.
Limited to $250 per occurrence with no deductible. Additional coverage is available for purchase.
Up to $500 in coverage, with no deductible, after the extinguisher is used in a covered fire.

​Erie Disclaimer
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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.

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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. 
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Click here for a FREE, No Obligations Boat Insurance Quote
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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. 
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