For more than 50 years, Pepper, Johnstone & Company has been trusted with insuring families and businesses. We partner with 60+ insurance companies so that you can consider options that provide the most appropriate protection.
Boat Insurance
from Pepper, Johnstone & Company
At Pepper, Johnstone & Company, we specialize in providing peace of mind for your time on the water through our comprehensive boat insurance options. Safeguard yourself, your loved ones, watercraft, and boating equipment with our tailored coverage. Our average boat insurance costs are less than a dollar a day, ensuring affordable protection for your investment. Enjoy worry-free moments on the water, knowing that your safety, your passengers, and your assets are all covered. Get started with Boat Insurance Quotes that prioritize your security and peace of mind.
We can customize a plan to fit your needs. Contact us today to find out how to get the best boat insurance coverage for you.
Full Coverage policies generally include:
Navigational Area - Gain clarity on your water coverage with policies from the insurance companies we represent. Covering up to 75 miles from the U.S. coastline, Canadian coastal or inland waters, and the Pacific coastal waters of Mexico, additional coverage areas are available in California, Florida, and Oregon. Pepper, Johnstone & Company collaborates with diverse insurance companies to offer customized boat insurance coverage, ensuring the right rate for your unique needs.
Agreed Value Coverage - Recognize the depreciation challenge faced by watercraft, akin to automobiles. Avoid complications with Actual Cash Value policies when replacing a stolen or destroyed boat. In the event of a total loss, secure the insured value minus any deductible.
Liability - Similar to auto insurance, our personal liability coverage extends protection to fellow boaters and boat owners when you are at fault for a water accident. Covering property damage, medical care lost wages, and associated costs, it offers financial security in boating incidents.
Medical Payments - Ensure financial stability with Medical Payments coverage, addressing the cost of necessary care resulting from a boating accident. With coverage ranging from $500 to $10,000, it encompasses you, your passengers, and even water skiers/tubers, irrespective of fault.
Physical Damage Coverage - Safeguard your investment with Physical Damage Coverage, covering repair or replacement costs for your watercraft, its motor, attached equipment, and trailer in case of theft or damage.
Uninsured/Underinsured Watercraft Bodily Injury - Given the optional nature of boat insurance, our coverage steps in if you're hit by an uninsured or underinsured boater, covering medical treatment, lost wages, and associated costs.
Fuel Spill Liability and Wreckage Removal - In the event of a boat sinking or serious damage, potential oil or fuel leaks mandate cleanup. As the boat's owner, comply with legal obligations efficiently, though it can be time-consuming and expensive.
Personal Effects - Customize your boat insurance policy to include coverage for various personal effects like clothing, jewelry, cell phones, scuba/snorkeling, and sporting and fishing equipment. Note that personal effects coverage excludes jewelry, watches, or furs. State-specific limits apply; contact us for detailed information.
Unattached Equipment Coverage - Ensure comprehensive protection with coverage for equipment not permanently attached to your boat, designed primarily for boat use. This encompasses items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.
Emergency Assistance - Benefit from our Emergency Assistance Package, encompassing coverage for towing, labor, and delivery of essential supplies if your watercraft becomes disabled. Reach out for a detailed boat insurance quote and connect with a dedicated boat insurance agent offering full coverage options tailored to your needs.
Frequently Asked Questions
about everything insurance
Always contact us first, so we can best advise you on whether filing the claim makes sense or can adversely impact your future premiums and is best for you to self-insure the loss. Don’t make the mistake of filing a small claim, since all claims stay on your claims record for 5-years, which will impact your insurance premium for a 5-year period. Let our in-house claims advocates help guide you through this process.
The amount of loss paid by the policyholder. Either a specified dollar amount and/or a percentage of the total value. The larger the deductible, the lower the premium charged for the same coverage, since you are assuming a higher loss amount by taking a higher deductible. Insurance carriers only pay losses above the deductible amount, so if the loss incurred is not substantially above your deductible, it’s usually best to self-insure (i.e., pay the loss yourself out-of-pocket) by not filing it with your insurance carrier.
What do people think about us?
Hear from some actual clients.
on Google
We recently switched our home and auto policies to Pepper, Johnstone & Co and have had a great experience. Their entire team is not only knowledgeable but down to earth and willing to share their time, tips and creative ideas. They’ve helped us to achieve to comprehensive protection at the lowest possible cost. I would recommend Pepper, Johnstone and Co to anyone.
— J.W. E.
on Google
I am always pleased with the gracious and prompt responses to my insurance inquiries, to my specific insurance needs regarding several policies with Pepper, Johnstone & Company. The staff, especially Lauren Hart, makes every effort to take care of my insurance needs, addressing many concerns. I could not be more pleased and feel more secure knowing these folks are taking care of business for me and in my best interest.
— Teresa H.
on Google
Pepper Johnstone has handled my personal and business insurance needs for years. They do good work and their staff is amazing! They are independent agents so they have access to several different lines of insurance to meet the needs of their clients. I highly recommend them.
— Jeremiah H.
on Google
This is a great company to work with! Casandra did an excellent job making sure my claim was completed in a timely manner. Julie is always there to help me any time I need to make changes to my insurance needs. The staff is always professional to work with. I trust Pepper, Johnstone & Company with all my insurance needs and have for many years.
— Janet F.
on Google
I started a company in January 2019 & the team at Pepper Johnstone helped me from the beginning. We serve mid-cap to large public companies in Alabama, Colorado and Texas. And, Bryan has been critical in helping us meet and maintain the required commercial insurance policies and coverage levels. Key reasons that I've been so pleased primarily include their high level of technical competence and timely responsiveness on new or changing insurance coverage requests. They do a great job & I can highly recommend them.
— Russ L.
on Google
I have dealt with Pepper Johnstone and company in the past and have always had a good experience. This past week I needed a policy, I called Julie and she efficiently, and promptly quoted and bound coverage on the property. I would highly recommend Pepper Johnstone.
— Sharon K.