Boat Insurance Napanee

Being the owner of your own watercraft is a great way to enjoy the spring and summer months in the Napanee community –especially with Lake Ontario, 1,000 Islands and other waterways being so incorporated into the landscape.

If you’re a watercraft owner in Napanee, having a comprehensive insurance policy that works to fit your unique needs can help provide you peace of mind knowing that you are covered when you’re on the water, when your boat is in storage, and when you’re in transport.

With the help of the insurance experts at Allen Insurance Group, you can design a customized insurance portfolio that does just that!

Get a free quote for boat insurance in Napanee, Ontario, with Allen Insurance Group today!

Leading Boat Insurance in Napanee with Allen Insurance Group

With over 100 years of insurance experience, the team at Allen Insurance Group consists of leading insurance specialists who have worked with many boat owners in the Napanee community to provide them with the boat insurance and premiums that solve their insurance needs. We understand that not all boat owners are the same, which is why we are committed to working closely with you to provide you with solutions that tailor to your unique situation.

Here is how the insurance professionals at Allen Insurance Group are prepared to assist you:

Boat Insurance for a Variety of Vessels:

• Sailboat Insurance
• Jet-Boat Insurance
• Fishing Boat Insurance
• Cruiser Insurance
• Houseboat Insurance
• Pontoon Boat Insurance
• Personal Watercraft Insurance
• Motorboat Insurance

Policy Coverage Highlights

Liability Insurance

Liability protection provides you with coverage in the event you are responsible for causing property damage, injury, or death to a third party as the result of a boating accident. This liability coverage policy will cover the cost of all medical-related expenses and legal fees that may arise if a lawsuit is filed against you.

Bodily Injury Liability Coverage: Coverage for third-party injuries caused by a watercraft collision for which you are held liable. This will include legal fees as well as medical expenses like diagnostics and therapy.

Property Damage Liability Coverage: If you are found to be at fault for causing damage to a third-party boat while operating your watercraft, this insurance will pay for the repairs.

Uninsured Boat Coverage: Coverage is provided if you or another passenger is injured in a boating accident caused by an uninsured vessel.

Boat Collision Coverage: Repair costs are covered if your boat is compromised in a boating crash involving another boat, large rocks, a dock, or other objects.

Comprehensive Coverage: Accidental damage caused by fire, explosions, lightning, windstorms, theft, and vandalism is covered.

Agreed Value: This coverage option provides a specified value for your watercraft that has been damaged beyond repair and is considered a total loss.

Actual Cash Value: This coverage option provides a monetary value equal to the cost of your boat, less depreciation.

Personal Contents: Covers the belongings in your boat that are damaged as a result of an insured loss.

Additional Coverage Options

Loss of Use Coverage: Pays for travel costs caused as a result of total loss or damage to your boats, such as a replacement boat, car rental, or other transportation needs.

Emergency Towing Coverage: Covers the cost of towing your boat to a repaired marina after an accident or total breakdown while using your boat.

Land Transportation Coverage: Covers transport cost on land following an insurance loss within a specified radius.

Vermin Damage Coverage: Boat owners are protected from damage prompted by vermin, including raccoons, squirrels, and more.

Furthermore, your boat policy may also cover the following boat parts, including:

• Equipment that is permanently attached to your boat
• Boating accessories including radar, geo-location instruments, and more
• Specialized boating equipment, including fishing gear and more
• Hull
• Fittings
• Furnishings

Factors that Influence the Cost of Your Boat Insurance in Napanee

We understand that all boats are different. As such, the cost of your boating insurance will vary depending on several factors. Here is a closer look at some of these factors:

• The age of your boat
• The make and more of your watercraft
• The total length of your boat
• The type of motor or engine
• The purchase price or bill of the sale amount
• The horsepower of your motor or engine
• The maximum speed your boat can travel
• The locations where you plan to travel with your boat
• The place where your boat is stored

Savings and Discounts on Your Boat Insurance

Watercraft, car, and home discount: save on your insurance premiums when you bundle your different insurance policies, such as home, auto, boat, and more.

Dry dock discount: You may receive a discount for the amount of time your boat is stored on dry land.

Claims free discount: Save money on your premium when you have no prior claims on your insurance in the last three years.

Training discount: You may receive a discount if you have completed the power squadron course.

Get a Free Quote for Boat Insurance in Napanee Today!

With the help of the friendly and knowledgeable insurance team at Allen Insurance Group, boat owners in Napanee, Ontario can get out on the water confidently, knowing they are comprehensively covered by an insurance policy that has their best interests in mind.

Do you require insurance for your watercraft in Napanee? If so, Allen Insurance Group can help you design a customizable insurance policy for your boat or personal watercraft.  Submit an online insurance quote with us today or call to speak directly with one of our qualified insurance specialists for more information.  We’ll take care of you.