Pennsylvania Boat Insurance

Get a complete analysis of Pennsylvania boat insurance costs, coverages & companies.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

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Find the Best Boat Insurance Rates & Companies in Pennsylvania 

Pennsylvania has abundant boating opportunities with its 85,000 miles of rivers and streams, 76 natural lakes, 63 miles of shoreline on Lake Erie, and access to the Atlantic by way of the Delaware River. But before taking your boat out on the water, be sure you have adequate Pennsylvania boat insurance. This coverage can help you get the reimbursement you need after boating collisions, theft, vandalism, and other incidents.

Fortunately, a Pennsylvania independent insurance agent can help you find all the boat insurance necessary. Your agent can help recommend the coverages that would benefit you and your unique watercraft the most. First, though, here's a closer look at Pennsylvania boat insurance requirements and more.

Best Boat Insurance Companies in Pennsylvania

It's helpful to know where to start looking when you want to find top-rated boat insurance in Pennsylvania. The following are just a few of our recommendations for the best boat insurance in Pennsylvania. Start by checking out the coverage offered by these excellent insurers.

A Pennsylvania independent insurance agent can compare quotes for boat insurance from all of these carriers and others in your town.

What Boat Insurance in Pennsylvania Can Cover

Typically, boat insurance policies can be customized according to your preferences. In Pennsylvania, the following coverage options are offered by most boat insurance companies:

A Pennsylvania independent insurance agent can recommend the specific types of coverage that would benefit you the most.

Is Boat Insurance Required in Pennsylvania?

Boaters are not required by law to have boat insurance in Pennsylvania. However, many marinas in the state require coverage before they're allowed to dock. Additionally, lenders often require boat insurance for those who finance their watercraft.

Even so, having boat insurance can be a wise decision for many watercraft enthusiasts. Boat insurance can provide critical reimbursement for lawsuit expenses or damage to your boat due to vandalism, as well as many other disasters. The cost of boat insurance can seem quite small in comparison to what you might otherwise have to pay out of pocket without a policy.

What Boat Insurance in Pennsylvania Will Not Cover

Boat insurance doesn't cover just any disaster. In Pennsylvania, boat insurance tends to exclude the following:

Be aware of your boat insurance's coverage exclusions to avoid filing claims that are bound to get denied.

Average Cost of Boat Insurance in Pennsylvania

In Pennsylvania, boat insurance costs an average of just $263 per year, making it one of the more affordable coverages for many people. However, the cost of your policy can depend on the following:

These factors and many others, including your specific location, can all impact boat insurance rates. In general, the more coverage you need, the more expensive your policy is likely to be.

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Our independent agents shop around to find you the best coverage.

What Boat Insurance Discounts Are Available in Pennsylvania?

The good news is that there are many discounts available to help you save money on boat insurance in Pennsylvania. Many insurance companies offer the following discounts:

A Pennsylvania independent insurance agent will help you save as much money as possible on your boat insurance, in part by applying any discounts you're qualified to earn.

Popular Questions about Pennsylvania Boat Insurance

Is boat insurance required in Pennsylvania?

Pennsylvania state law doesn't mandate boat insurance. However, many watercraft enthusiasts are required to have boat insurance by their lenders if they finance their vessels.

How much does boat insurance cost in Pennsylvania?

Pennsylvania boat insurance costs an average of $263 per year. But the type of coverage you need, among other factors, can impact these rates.

What is the best boat insurance company in Pennsylvania?

We found that Progressive is the best boat insurance company in Pennsylvania this year. Progressive's discounts, coverage options, and rates earned the carrier our top spot.

If I get in an accident while towing my boat, who pays for the damage?

If you cause an accident while towing your boat, your boat insurance policy will pay for the damage. Your policy can cover damage to your own watercraft and other property, as well as third-party property.

Do you need boat insurance in Pennsylvania?

By law, you don't need boat insurance in Pennsylvania. However, many of the state's marinas require boaters to have coverage.

What does boat insurance cover in Pennsylvania?

In Pennsylvania, boat insurance might cover collision damage, liability, and damage caused by threats other than collision. It all depends on the types of coverage you select to go into your policy.

Why work with a Pennsylvania independent insurance agent when shopping for boat insurance?

Pennsylvania independent insurance agents can help you find the boat insurance you need from a top-rated local carrier. Independent insurance agents work hard to find quality coverage at the most affordable rate. They'll shop and compare boat insurance quotes from a number of different carriers for you. 

And down the road, they can help you file boat insurance claims or update your coverage as needed. Your agent can help you find boat insurance in Pittsburgh or wherever you reside.

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