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Watercraft Insurance

Protection for your boat and other watercraft.

Boat and watercraft insurance provided by Strickler Insurance.

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Who doesn’t love taking their boat out on the lake or fishing in the ocean? Making sure your watercraft is insured is the first step to you enjoying time out on the water. Protect your investment and make sure you are protected from theft and damages.

Get Watercraft Insurance You Need From Strickler Insurance

Boating is a common hobby for many people living in Pennsylvania and neighboring states. From people traveling to the finger lakes in New York to the ocean in New Jersey in Maryland or Virginia, we can cover your watercraft insurance. Contact Strickler Insurance to learn more about our watercraft insurance coverage.

What Is Watercraft Insurance?

Watercraft insurance is technically two types of insurance grouped into one. The two types of watercraft insurance are boat insurance and yacht insurance. This insurance applies to vessels that have a motor and can reach at least 25 mph.

Boat Insurance vs. Yacht Insurance

The difference between boat insurance and yacht insurance is quite simple. The size of the watercraft determines which insurance it falls under. 

  • Boat Insurance: boat insurance is applied to vessels that are 26 feet or shorter. Typically boat insurance has a lower premium and is customizable to your specific boat’s needs.
  • Yacht Insurance: Your insurance applies to vessels that are 27 feet or longer. Yacht insurance is typically more expensive because of the size and capabilities of the yacht. Yachts are more likely to travel further distances and be in more precarious situations. From being susceptible to large storms natural disasters to the replacement costs being much higher.


What Does Watercraft Insurance Cover?

Watercraft insurance policies cover and protect you from the physical loss or damage of the boat, theft of the boat, and the cost of towing. There are also other coverages you can add to your yacht or boat insurance.

Another factor that makes watercraft insurance different from regular vehicle insurance is the lost settlement options. In the case of the loss of watercraft, Your insurance may cover the agreed value market value or the replacement cost. Depending on which coverage you have on your watercraft your premiums may be higher or lower.

Do I Need Watercraft Insurance?

While watercraft insurance is not required in every state, it is recommended that you get water and craft insurance since you are likely going to be using the watercraft within a variety of water bodies and states. The other factor is that many marinas and docks require boat insurance.

Does Pennsylvania Require Watercraft Insurance?

Actually, only 3 states require watercraft insurance. The three states that require watercraft insurance for your boat or yacht are Utah, Arkansas, and Hawaii. As mentioned before, while it may not be required, it is smart to get insurance for your watercraft. You’ll have peace of mind and be able to set sail in any waterway you desire.

Get Watercraft Insurance From Strickler Insurance

Strickler Insurance is located in Lebanon Pennsylvania. Get your boat insurance or yacht insurance in Lebanon PA, Pennsylvania, or one of our neighboring states. At Strickler, we hope to provide the best watercraft insurance. We provide insurance coverage in New Jersey, New York, Maryland, Delaware and Virginia. Contact us today for a free watercraft insurance quote!

Watercraft Insurance - Family Jumping Off Boat in the Lake

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