Boat Insurance

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.

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.

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