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Pennsylvania Boat Insurance

When the day is clearer and the weather is warmer, the first thin that cross your mind is to go out on water. You can get away from the pressure and stress of the mainland using your boat and kick back with your friends or by yourself. When using your boat to race, cruise, or fish, you know it is very difficult to live without it.

Take advantage of Pennsylvania boat insurance to enjoy your free time in the sea without worrying about what may go wrong. There is a comprehensive protection designed to protect you, the friends, or your family, your boating equipment and your watercraft. When shopping for Pennsylvania boat insurance, you must look out for some items. Here are some of the items you must put into consideration:

Navigation Area Within The Water

You should know your coverage area in water. Most insurance companies offer safeguard to cover you for about 75 miles off the American coastline, into the Pacific coastal waters of Mexico, and into Canadian inland or coastal waters. In Oregon, Florida, and California, you can purchase insurance for more areas, but not in Pennsylvania.


Just as car insurance, the personal liability portion of Pennsylvania boat insurance offers coverage to boat owners and any other person in the event event of an accident or at-fault when you are on water. Liability coverage normally pay for the lost wages, medical care as well as replace or repair a property that belong to someone else, and the cost incurred that result from any boat accident resulting from your fault.

Agreed Value Coverage

Just like cars, watercraft depreciate. Actual cash value policy in practice makes it very difficult to replace a boat that has been destroyed or stolen. This generally means that in case your boat is a total loss, you only get the value that you insured it for, minus the deductible.

Physical Damage Coverage

The Physical damage coverage cater for the cost for repairing or replacing the watercraft, motor, the trailer in case it is damaged or stolen, and any attached equipment.

Medical Payments

The Medical payments coverage normally caters total cost of care resulting because of a boat accident. The coverage is available from about $500 to $10,000 and it covers the boat owner, the passengers, and even water tubers/skiers, irrespective of the person at fault.

Under-insured/Uninsured Watercraft Bodily Injury

Many boaters do not get Pennsylvania insurance because it is not mandatory to insure the boat. In case you are hurt by an under-insured or uninsured boater and you get injuries, this insurance coverage usually pay for lost wages, medical treatment, and other costs linked to the accident.

Personal Effects

Your policy is capable of offering coverage to most personal effects like fishing equipment, snorkeling/scuba and other sporting equipment, cell phones, and jewelry. Check with your Pennsylvania boat insurance company what their personal effects cover.

Wreckage Removal and Fuel Spill Liability

Should your boat be seriously damaged or sink, there is a probability of it leaking fuel or oil into the water. You, as the boat owner, are expected by law to clean it up. This can be expensive and time consuming.

Unattached Equipment Coverage

It pays to replace or repair personal watercraft or equipment not permanently attached to your boat. It is designed for primary use on a boat. It includes items like tarps, fire extinguishers, oars, anchors, water skis, lifesaving equipment, etc.

Emergency Assistance

Emergency Assistance Package offer coverage for delivery of gas, towing, loaned battery or oil if the boat breaks down while on water.

Whether you are just getting started or a lifelong boater, it is normally a good idea to take a closer look at the existing and new marine policy in Pennsylvania. Having Pennsylvania boat insurance will help keep you safe and secure while on water. To get where you are, you have really worked hard, and you still have a lot of things to look out for when boating. The right policy at the right time is what you deserve.

Pennsylvania Boat Insurance

Pennsylvania Boat InsuranceAt Ekinsurance, we will make sure you have the legal amounts of Pennsylvania boat insurance to comply with the PA state laws. We can also recommend other options that offer more protection than the state minimums. We always take into consideration how much your boat is worth and recommend insurance that will protect your income and assets if you are found at fault for an accident and sued.

There are many factors to consider while shopping for Pennsylvania boat insurance. Our agents will be happy to go over all of your options and recommend the best watercraft insurance policy for your needs and budget. PA boaters should give us a call today at (800) 821-2436, or fill out the form on this page for a free, no obligation PA boat insurance quote.