Pennsylvania Boat Insurance

Find the right boat insurance policy for you.

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.

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Pennsylvania has abundant boating opportunities with 85,000 miles of rivers and streams, 76 natural lakes, 200,000 acres of impoundments behind dams, 63 miles of shoreline on Lake Erie, and access to the Atlantic by way of the Delaware River. Before taking your boat anywhere, however, you should be sure you have the proper Pennsylvania boat insurance.

An independent agent in the Trusted Choice® network can help you compare Pennsylvania boat insurance quotes so you can be sure you obtain the policy that is right for you. Contact an agent today to get started.

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

As a boater in Pennsylvania, you should be aware of the following:

Pennsylvania does not have an insurance requirement for boats, but until you have obtained proper Pennsylvania boat insurance, you should stay off the water.

The safest thing to do is to work with a member agent in the Trusted Choice network to obtain the coverage that is right for you.

Some homeowners policies will provide limited property coverage and liability coverage for smaller boats of up to a certain number of feet in length or motor boats not over a certain horsepower. Some policies may cover the boat on your premises but not while it is elsewhere. A separate boat policy may give you full replacement coverage if your boat is damaged or lost while your homeowners policy may pay for only the depreciated value.

If you have a licensed trailer, it's a good idea to add it to your auto policy for damage to the trailer and for liability when you're using it. A homeowners policy may cover a trailer for damage on your premises, but might not cover its use elsewhere.

You will likely be much better protected if you purchase a separate policy designed specifically for watercraft exposures.

Your Trusted Choice member agent can help you evaluate your present coverage and decide which course of action is best for you.

When you purchase a separate boat policy you will be able to obtain the following coverages:

Being sure you have the proper coverage with a good company at the lowest possible cost requires knowledge and experience. Work with a member of the Trusted Choice network who can help you compare Pennsylvania boat insurance quotes.

There is a great deal you can do to lessen your exposure to damage or injury by taking some simple steps to increase your safety:

The best advice is to use common sense.  Don't exceed your or the boat's capabilities.

It's a good idea to be aware of several restrictions or exclusions that are common to boat insurance policies. Many policies name designated waters in which you can operate. A common restriction is to have watercraft use limited to inland lakes and streams. If you have such a restriction on your policy and you take your boat out on the ocean or onto one of the great lakes, you may not have coverage.

Some policies exclude certain types of activities such as parasailing, using the boat in an organized race or an organized fishing competition, for example. You can rely on a Trusted Choice agent to be sure of any exclusions or restrictions that might affect your use of your boat. Contact your agent to make sure you know how you're covered.

Save on Boat Insurance

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

You can expect many hours of enjoyment using your boat in PA waters. Just be sure you have the proper training and follow the common sense rules for boating. Also be sure that you have a Pennsylvania boat insurance policy that properly covers you and your activities.

A member of the Trusted Choice network can work with you to compare Pennsylvania boat insurance quotes from multiple companies.  You can be sure you have the coverage that is right for you when you comparison shop. Contact a Trusted Choice member agent today.

Everything went well with my experience with Trusted Choice. I was able to make contact with one of the agents. It was great and I had no problems. I’m very satisfied.

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