Boat Insurance

At Pepper, Johnstone & Company, we specialize in providing peace of mind for your time on the water through our comprehensive boat insurance options. We offer competitive rates for boat insurance, ensuring you receive high-quality coverage without overspending. Safeguard yourself, your loved ones, watercraft, and boating equipment with our tailored coverage. Marine insurance is a specialized type of coverage designed to protect boats, engines, and related equipment. Our average boat insurance costs are less than a dollar a day, ensuring affordable protection for your investment. The cost of boat insurance can be influenced by factors such as the cost of boat, type, and usage. Enjoy worry-free moments on the water, knowing that your safety, your passengers, and your assets are all covered. Boat insurance cost is determined by several key factors, and you can get a quote tailored to your needs for maximum affordability. Get started with Boat Insurance Quotes that prioritize your security and peace of mind.

We can customize a plan to fit your needs. Contact us today to find out how to get the best boat insurance coverage for you.

Full Coverage policies generally include:

Pepper, Johnstone & Company works to bring boaters the right insurance coverage for their needs, offering a variety of policy options to customize their coverage. Our policies are designed to protect your boat, personal assets, and ensure you are properly protected with comprehensive coverages and discounts.

• Navigational Area - Gain clarity on your water coverage with policies from the insurance companies we represent, including Geico Marine and Geico Marine Insurance Company, which offer specialized marine insurance. Covering up to 75 miles from the U.S. coastline, Canadian coastal or inland waters, and the Pacific coastal waters of Mexico, additional coverage areas are available in California, Florida, and Oregon. Policy options are available for all boat types and watercraft, including personal watercraft, jet skis, sea doos, and pontoon boats. Pepper, Johnstone & Company collaborates with diverse insurance companies to offer customized boat insurance coverage, ensuring the right rate for your unique needs.
  
• Agreed Value Coverage - Recognize the depreciation challenge faced by watercraft, akin to automobiles. Avoid complications with Actual Cash Value policies when replacing a stolen or destroyed boat. In the event of a total loss, properly protected boats are covered for the insured value minus any deductible, with actual cash value and agreed hull value both available as settlement options. Replacement cost coverage is also an option for newer boats, allowing you to insure your boat for agreed hull value or replacement cost. A higher deductible can reduce premiums but increase out-of-pocket costs. Automatically covered and automatically included features make the policy hassle-free.
  
• Liability - Similar to auto insurance, our personal liability coverage extends protection to fellow boaters and boat owners when you are at fault for a water accident. Covering property damage, medical care, lost wages, and associated costs, it offers financial security in boating incidents. If you accidentally injure someone or cause property damage, your policy provides coverage. Coverage extends to claims and the process of filing a claim in the event of an accident, and your claims history can impact premiums and coverage options. Protecting your boat and personal assets is a key benefit of liability coverage.
  
• Medical Payments - Ensure financial stability with Medical Payments coverage, addressing the cost of necessary care resulting from a boating accident. With coverage ranging from $500 to $10,000, it encompasses you, your passengers, and even water skiers/tubers, irrespective of fault. Coverage applies to injuries sustained during boating accidents.
  
• Physical Damage Coverage - Safeguard your investment with Physical Damage Coverage, covering repair or replacement costs for your watercraft, its motor, attached equipment, and trailer in case of theft or damage. These policies provide coverage for a wide range of risks, including theft, fire, and accidental damage, and boat insurance covers theft is included in standard policies. Protect your boat from damage and loss with comprehensive coverage. Deductibles apply to covered losses, and claims for damage to your boat are processed quickly and efficiently. This coverage helps ensure your boat and provides coverage for a variety of risks.
  
• Mechanical Breakdown Coverage - Optional mechanical breakdown coverage is available for engine and outdrive repairs due to mechanical failure. This add-on protects against repairs caused by wear and tear or defects, which are typically excluded from standard policies. Coverage may also extend to damages resulting from issues handled by a professional repair facility.
  
• Uninsured/Underinsured Watercraft Bodily Injury - Given the optional nature of boat insurance, our coverage steps in if you’re hit by an uninsured or underinsured boater, covering medical treatment, lost wages, and associated costs. This applies to insured watercraft and insured boats, ensuring you are protected even when others are not adequately insured.
  
• Fuel Spill Liability and Wreckage Removal - In the event of a boat sinking or serious damage, potential oil or fuel leaks mandate cleanup. As the boat’s owner, comply with legal obligations efficiently, though it can be time-consuming and expensive. Wreck removal is a covered service under our policies.
  
• Personal Effects - Customize your boat insurance policy to include coverage for various personal effects like clothing, jewelry, cell phones, scuba/snorkeling, and sporting and fishing equipment. Personal effects and fishing gear are automatically covered up to policy limits, and fishing gear is automatically included as covered property, with options for higher limits. Coverages for personal effects, fishing gear, and unattached equipment are available. Boat insurance discounts are available for experienced boaters and safe boating practices. Cell phones and other personal items are covered under the policy. Note that personal effects coverage excludes jewelry, watches, or furs. State-specific limits apply; contact us for detailed information.
  
• Unattached Equipment Coverage - Ensure comprehensive protection with coverage for equipment not permanently attached to your boat, designed primarily for boat use. Covered property includes unattached equipment and personal effects, and certain items are automatically included in the policy. This encompasses items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc. Insured watercraft and insured boats are protected under the policy.
  
• Emergency Assistance - Benefit from our Emergency Assistance Package, encompassing coverage for towing, labor, and delivery of essential supplies if your watercraft becomes disabled. Emergency towing and other emergency services are automatically included in the package, and emergency services are available for breakdowns and towing. If you need boat insurance, this coverage is essential for all boaters. Reach out for a detailed boat insurance quote and connect with a dedicated boat insurance agent offering full coverage options tailored to your needs.
  
• Multi-Policy Discounts - Take advantage of multi-policy discounts by bundling your boat insurance with auto or other marine policies. This can provide significant savings and make your insurance more affordable.

With Pepper, Johnstone & Company, you can be confident that your insured boat, personal watercraft, and covered property are protected with the right insurance coverage, bringing boaters peace of mind on the water.