KGS Insurance Agency Erie Insurance
HOME > BOATWednesday, August 15, 2018



We insure many kinds of boats and personal watercraft. While your homeowner's policy offers some liability and physical damage coverage for watercraft, it may not be enough. It may also not cover any if the boat is larger and does not meet the guidelines in the home policy. Now you need a separate boat policy.

The coverage on a boat policy is broader than on your home policy.

It could include:

  • Total Loss Replacement- replacing the boat with a similar brand new one.
  • Agreed Value- Protection without depreciation on total losses
  • Disappearing Deductibles for each claim-free renewal
  • Fishing Equipment and Personal Items coverage
  • 24 Hour Roadside Assistance for your car, truck , or trailer while towing the boat
  • On water towing
  • Wreckage and Fuel spill Liability Coverages
  • Medical Payments Coverage

Discounts that are available include:

  • Claim-Free Renewal
  • Homeowner's Discount
  • Multiple boats and Multiple Policy Discounts
  • Original Owner Discount
  • Paid in Full Discount
  • Responsible Driver and Safety Course Discounts

Purchasing boat insurance gives you peace of mind that your boat is covered on the water and in storage. Plus know that you and your assets are protected with the liability coverage offered on your boat insurance in the event that you cause a watercraft accident or incident.