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Boat Insurance

from bow to stern

Coverage to Keep You Afloat

Owning a boat opens up a world of adventure and relaxation on the water. At Pegram Superior Insurance Agency, we understand the joy and freedom that comes with boating. Our boat insurance provides the necessary protection to keep you, your vessel, and your loved ones safe. From unexpected accidents to weather damage, we offer comprehensive coverage tailored to meet the unique needs of boat owners.

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Liability Coverage

Boating accidents can lead to significant liability issues, including property damage and personal injury. Our boat insurance offers comprehensive liability protection, covering legal expenses and settlements if you are found responsible for an accident. This coverage helps protect your financial well-being, allowing you to enjoy your time on the water with peace of mind.

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Physical Damage

Boating accidents can happen at any time, and repairs can be costly. Our boat insurance includes physical damage coverage, which protects your vessel from damage caused by collisions, storms, theft, and other perils. This coverage ensures that the investment you've made in your boat is protected, whether it's a small craft or a luxury yacht.

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Medical Payments & Uninsured

Safety on the water is paramount. Our boat insurance includes coverage for medical payments, ensuring that medical expenses are covered for you and your passengers in the event of an accident. Additionally, our uninsured boater coverage protects you in case you're involved in an accident with a boater who lacks sufficient insurance, covering medical costs and damages.


Some basic information that can help you better plan ahead.

  • What types of boats can be insured?

    We offer insurance for a wide variety of boats, including motorboats, sailboats, yachts, fishing boats, and personal watercraft. Whether you have a small recreational boat or a high-value yacht, we have the right coverage options for you.

  • Is boat insurance mandatory?

    While boat insurance is not legally required in all states, it is highly recommended to protect your investment and yourself from liability. Additionally, marinas and lenders may require proof of insurance.

  • Does boat insurance cover equipment and accessories?

    Yes, our boat insurance policies can include coverage for boating equipment and accessories, such as navigation systems, fishing gear, and life jackets. This ensures that all your essential items are protected along with your boat.

Set sail with confidence.

Don't let worries dampen your boating adventures. Contact Pegram Superior Insurance Agency today for a free, no-obligation quote on comprehensive boat insurance. Discover our tailored coverage options that protect you, your vessel, and your passengers, so you can enjoy the open water with peace of mind. Secure your boat and your adventures—sail with confidence and safety.

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