Learn more about boat insurance coverage

There are many different types of pleasure boat insurance and many exclusions that need to be considered. Harry Levine Insuracne can offer you all-risk watercraft insurance policies that are second to none. We are the ideal choice for pleasure and non-commercial fishing boat insurance. We insure all sorts of pleasure runabouts, as well as pontoons, fishing boats, bass boats, performance boats, ski boats and many others. Contact Harry Levine Insurance to get a Boat Insurance Quote.

Coverage includes:
Stated Value for your hull, which means we will not depreciate it over time. And, if you have a total loss, we even waive your deductible.

other companies only offer ACV (actual cash value) policies that give you only the boat's book value at the time of loss. Read your current policy and see for yourself. Are you paying more, but getting less?

Replacement Cost for 30 months on new crafts up to $100,000.

• Uninsured Boaters Liability insurance is included.
  
• $10,000 for medical payments.
  
• Water sports liability coverage (water skiing, wake boarding, etc). Most of our competitors either exclude this coverage or offer lower limits and charge an additional premium.
  
• Towing and roadside assistance standard at $600 ($1,000 for yachts).
  
• Disappearing deductible available.
  

What's Covered

• Fire, theft, collision, vandalism, storm damage, hitting a submerged object, and any other accidental damage to your craft, whether it's in or out of the water.
  
• Your trailer can be covered for physical damage too.
  
• We cover you up to the policy limits for your legal liability if someone is injured or property is damaged. Our combined single limit means that you can use as much as you need, where you need it.
  
• No exclusion for latent defects!
  

Some exclusions

• No commercial use (pleasure use only.)
  
• No coverage for parasailing.

Consider specialized coverage's.
Coverage's beyond the scope of a standard homeowners policy include Roadside Assistance, where your boat is towed for free as long as your trailer is covered; On-Water Towing, in case you're stranded on the water; and Uninsured Boaters coverage. Our carriers also offers Fuel Spill Liability and Wreckage Removal. Without these coverage's, you may end up getting stuck with the bill for cleanups and removals. Personal Effects and Fishing Equipment coverage's are also available.

If you travel, make sure your coverage goes with you.
Some insurance companies limit where you can go with your boat and still be covered, or they charge you extra if you travel. With Progressive's boat policy, you can follow the sun — you're covered at no extra charge in all inland lakes, rivers and navigable waterways of the continental United States and Canada, including ocean waters within 50 miles from the coast of the United States or Canada.

Think about replacement costs.
Boats depreciate just like cars do. A homeowners policy will only pay you actual cash value for your boat, which could make it difficult to replace your boat if it's destroyed. But with HLI, you have that option and more. With Total Loss Replacement, we will replace your boat with a brand new model if the loss is within the first five model years. We also offer Agreed Value coverage no matter how old your boat is.