Boat Insurance

Boat insurance from Sutherland Insurance offers comprehensive financial protection for boat owners, allowing them to enjoy boating activities like cruising, sailing, or motorboating without worry. Whether you're a seasoned sailor or a weekend boating enthusiast, having the right insurance coverage ensures that you can navigate the waters with peace of mind, knowing that you're protected against unforeseen risks.

Boat insurance coverage includes protection for:

Replacement costs
Uninsured boats
Personal items
Water skiing
Towing
Medical emergencies

This means that whether you're out on a leisurely curise of engaging in water sports, you're covered for a variety of situations. We understand that boating is a significant investment and a cherised activity, which is why we provide coverage that safeguards not only your boat but also your personal belongings on board.

Please note that our insurance coverage options require a Pleasure Craft License for boat operation.

At Sutherland Insurance, we also offer discounts for experienced boaters, claim-free individuals, and Power Squadron members. These discounts reflect our commitment to rewarding safe and responsible boating practices. If you have years of boating experience, a clean claims record, or have undergone specialized training, you may be eligible for reduced premiums. Our team is happy to discuss these options with you and find ways to make your boat insurance even more affordable.

Our boat insurance policies cover various types of watercraft, including:

Sailboats
Speed boats
Pontoons
Sea Doos

We also offer special considerations for older boats, recognizing that classic and vinatage vessels may have difference insurance needs. Whether you own a sleek speedboat or a beloved pontoon, we have tailored insurance solutions that fit your specific requirements. Additionally, our coverage includes liability for damages or injuries, first claim forgiveness, partial loss replacement, and medical payments. For though who prefer a more straightforward approach, we also offer liability-only coverage, providing essential protection at a lower cost.

Understanding that boating accidents and mishaps can happen, our policies are designed to provide comprehensive support in such events. First claim forgiveness ensures that your premiums won’t spike after your first claim, giving you one less thing to worry about. Our partial loss replacement coverage helps you recover from damages that don’t result in a total loss, ensuring that your boat can be repaired or restored. Furthermore, medical payments coverage takes care of any medical expenses that may arise from boating accidents, ensuring that you and your passengers are protected.

For more information, contact our team at Sutherland Insurance today or request a quote below. Let us help you find the perfect boat insurance coverage so you can continue enjoying your time on the water with complete confidence.