Request a Quote
There’s nothing quite like being on the water—the wind in your hair, the sun on your face, and the freedom to explore open horizons. Whether you're fishing at dawn, cruising with friends, or enjoying a quiet afternoon on the lake, owning a boat brings joy, relaxation, and adventure. But like any major investment, it also brings risks. That’s where boat insurance comes in—and why Craven Insurance is here to help you protect your vessel and your peace of mind.
Our boat insurance policies are designed to cover more than just damage—they’re designed to help you get back on the water quickly when things go wrong.
Physical Damage Coverage
Protect your boat from damage caused by storms, fire, theft, collision, or sinking. Whether it’s docked, stored, or out at sea, you’re covered where it counts most.
Liability Protection
If someone gets hurt or another boat is damaged in an accident, this coverage helps with legal costs, medical expenses, and repair bills—so one mishap doesn’t sink your savings.
Towing & Assistance
Break down on the water? Our coverage includes emergency towing and help—just like roadside assistance, but for your boat.
Why Boat Insurance Matters
Your boat may not be on the water every day, but when it is, it faces serious risks—weather, other boats, submerged objects, or even theft. While homeowner's insurance may provide some basic protection, it typically doesn't offer the kind of specialized coverage a boat owner needs. With boat insurance from Craven Insurance, you're getting a policy built for watercraft—not a general policy with fine print exclusions.
What Boat Insurance Typically Covers
| Coverage Type | Details |
|---|---|
| Hull & Machinery | Damage to your boat’s hull, engine, sails, or equipment caused by collision, weather, or fire. |
| Liability | Protection against bodily injury or property damage you cause to others on the water. |
| Medical Payments | Covers medical expenses for you or your passengers injured during a boating accident. |
| Uninsured Boater | If another boater causes an accident and doesn’t have insurance, this covers your expenses. |
| Trailer Coverage | Protection for your boat trailer against damage, theft, or accident while towing. |
| Personal Effects | Covers fishing gear, electronics, and other belongings stored on the boat. |
Stories from the Dock
We once helped a local boater who experienced engine failure miles offshore. The towing costs alone would have been overwhelming, but with the right coverage in place, he paid nothing out of pocket. Within hours, he was back at the marina, safe and sound.
In another case, a windstorm ripped a client’s boat from its dock, damaging it and several nearby vessels. The liability claims could have sunk his finances, but thanks to a robust boat insurance policy through Craven Insurance, everything was handled swiftly—and fairly.
Smart Ways to Lower Your Premium
- Complete a certified boating safety course
- Install approved safety and anti-theft devices
- Choose higher deductibles to lower monthly premiums
- Bundle your boat policy with home and auto insurance
- Store your boat in a secure, covered marina or facility
What Makes Craven Insurance the Right Choice?
Boating is more than a hobby—it’s a lifestyle. At Craven Insurance, we get that. That’s why we offer personalized service, knowledgeable agents, and policies built to fit your exact boating needs. Whether you're captaining a sailboat, a bass boat, or a family cruiser, we’ll help you build a policy that travels with you—on and off the water.
We’ll walk you through your options, explain your coverage in plain language, and help you avoid gaps that could leave you stranded. When you choose us, you’re not just getting insurance—you’re getting a partner who knows the ropes.
Let’s Keep Your Adventures Afloat
Your boat deserves more than a guesswork policy. Whether you're a weekend explorer or a seasoned sailor, we’re here to make sure your coverage matches your lifestyle. Let’s talk about how to protect your boat, your gear, and your future on the water.
Request a Quote
Call us today at 360-341-7200 to start your quote and sail with confidence.