What floats your boat?

Getting out on the water in your boat, jet ski, or other watercraft is likely one of your favorite places to be. But owning a boat can increase liability risks (even when you’re on dry land.)

Our agents at Cheney Insurance can make sure your “financial boat” doesn’t sink should you hit any unforeseen crosswinds or rough water.

Does homeowner’s insurance cover your watercraft?

… Maybe, if it’s just parked out in your driveway.

The fact is, homeowner’s policies usually place numerous restrictions on boat owners depending on the size, horsepower, and damage coverage you expect.

In other words, if you don’t carry a specific watercraft insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage or sink, or a guest causes an accident.

What’s insurance for, anyway?

Keep in mind that you can’t buy insurance after you have an accident. That means you should think carefully about the position you want to be in if you’re ever in an accident, or spring a leak.

That means you should think of your boat insurance as a shield.

Now, imagine someone driving their boat right into that shield.

Will it hold?

Our main job here at Cheney Insurance is to make sure your shield can withstand as much damage as possible for the most reasonable cost.

That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to.

And that’s just one reason you should consider talking to a real person at our Damariscotta office, instead of a telephone salesperson working for a cartoon reptile.

What boat insurance covers—and what’s optional…

The most important thing we cover are the things that are important to you. Typical coverages should include:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

And we provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat
  • Many others, let’s talk

Boat insurance discounts spoken here

We also work with carriers who provide multiple boat insurance discounts, which reduces the cost but gives you the exact same high-quality coverage. Here are just a few ways you may be able to save, including if you …

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Paid your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on watercraft insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

The Cheney Insurance Difference

We understand that cost is a factor and our agents will work to meet your coverage and price needs.

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you. So if you’re at all concerned for your financial well being, you should investigate what you are offered carefully, and consider a relationship with a reliable guide.

There’s no such thing as a one-size-fits-all insurance policy.

We’re your neighbors. We protect people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Click on the quote request button now and let the professionals at Cheney help you forge the strongest shield possible to help you protect the things you care about most.