Boat Insurance

Boat and Personal Watercraft in Alaska

Float easy knowing your Alaska Service Agency specialized boat insurance policy is just right for your boat or personal watercraft.  Just like automobile insurance, we make boat insurance easy and affordable. Ask about discounts for bundling your policies!

Boat Insurance Options

Being an independent agent means we represent many carriers for a boat insurance policy! There are coverage options abound and you can get specialized coverage, such as Roadside Assistance, On-Water Towing, Total Loss Replacement and more.

Ask for a Boat Insurance Quote Today!

An Alaska Service Agency agent will assess your coverage needs and wade through the many options available, presenting you with the best for your needs and budget.

Boat insurance covers a wide range of boats from personal watercraft to sailboats, fishing vessels to personal watercraft, no specialized policy needed!  Ask your Alaska Service agent about a quote!

Looking for Motorcycle Insurance? We sell that too!

Alaska Service Agency will work hard to ensure you’re covered on the water and that your coverage needs are met. Give us a call today at (907) 337-2311 to start a quote. When shopping for boat insurance in Alaska, there are some things you should keep in mind.

More coverage is available.  An Alaska Service Agency agent will go over all coverages with you so you can make an informed decision about what coverages are right for you.

Keeping Boat Insurance Afloat in the Off Season

Summer is over, and you’ve taken your boat out of the water. To save a few dollars, you cancel your boat insurance. After all, what could possibly happen to your baby while it’s hibernating? A lot, according to Progressive.

“You’d be shocked at the number of claims filed in colder months,” says Dominic Mediate of Progressive. “Nearly two out of every 10 Progressive boat claims filed in northern states happen between Labor Day and Memorial Day.”

Don’t gamble that nothing bad will happen. Common off-season claims include:

Fire, Theft, Vandalism and Flooding — Most claims are filed for one of these reasons, which can occur anytime of year. Without coverage, boats damaged by fire, theft, vandalism or flooding aren’t protected.

Injuries that Occur on or Around Your Boat — Some boaters don’t realize they could be responsible for injuries that occur on or around their boat — even if the injured person was there illegally. Without liability coverage, you could be responsible for the damages or the injured person’s medical bills.

Keeping your policy all year round might also save you a few bucks. For example, Progressive’s disappearing deductibles reduce your Comprehensive and Collision deductible 25 percent for every claim-free policy period. Four policy periods in a row without a claim equals a $0 deductible.

Canceling your policy could mean paying more or the entire deductible, generally $500 or $1,000.

Check your policy and consult with your independent insurance agent before making any decisions.

Frequently Asked Questions about Boat Insurance

What is the average boat insurance cost?

Never guess what an insurance policy might cost. The average cost to insure a boat depends on the type of boat you want to insure and how much coverage you need. Additionally, your credit and loss history can factor into the price. The best way to get an accurate quote is to reach out to us for a quote. Quotes take just a few minutes and we can run you through several great companies.

Does boat insurance cover mechanical issues?

No, boat insurance will not cover mechanical issues such as a blown motor. However, if the mechanical issue is a result of a covered loss such as a collision with another boat then there likely would be coverage for the mechanical failure that resulted from the covered loss. *All coverage situations are subject to claims verification and no information here is suggesting coverage would exist.

Is boat insurance required?

Some states do not require boat insurance, but if you are operating a boat in open waters without it, you’re putting yourself at financial risk. If you have a loan on your boat or if you moored your boat in a marina, then the lienholder or marina may require you to carry insurance.

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