Set Sail with Confidence
Comprehensive Boat & Watercraft Insurance for Smooth Sailing
Owning a boat means freedom, adventure, and unforgettable experiences on the water. But just like your car or home, your boat needs the right protection. At RG Wright Insurance, we offer customized boat and watercraft insurance to keep you covered from unexpected accidents, weather damage, and liability risks—so you can enjoy the waves worry-free.
Protection That Goes Beyond the Shore
Coverage Designed for Every Adventure
Whether you own a fishing boat, pontoon, jet ski, or yacht, we tailor coverage to fit your needs. Our policies ensure you're protected against damage, theft, and liability—whether you're docked or out on the water.
Essential Coverage
Protects you, your passengers, and your investment.
- Liability Protection – Covers injuries and property damage if you're at fault in an accident.
- Medical Payments – Helps with medical costs for you and your passengers after an accident.
- Uninsured Boater Coverage – Protection if you're involved in an accident with an uninsured operator.
Boat Protection
Safeguard your watercraft from damage and loss.
- Collision Coverage – Pays for damage to your boat from an accident.
- Comprehensive Coverage – Covers theft, fire, storms, and other unexpected damage.
- Towing & Assistance – Emergency help when you're stranded on the water.
Customizable Options
Enhance your policy for extra peace of mind.
- Personal Property Coverage – Protects fishing gear, electronics, and other equipment.
- Fuel Spill & Wreckage Removal – Covers costs if your boat causes environmental damage.
- Agreed Value Coverage – Ensures you get full replacement value if your boat is totaled.
Affordable Coverage for Every Watercraft
Getting the right insurance doesn’t mean overpaying. We work with top-rated carriers to find the best coverage at the most competitive rates. Whether you’re a casual weekend boater or a full-time captain, we’ll help you navigate the best policy for your needs.
Your Questions, Answered
Boat & Watercraft Insurance FAQs
Understanding boat insurance can be tricky, but we’re here to help. Here are some common questions we get from boat owners like you.
Does my homeowner’s insurance cover my boat?
Most homeowners' policies offer limited coverage for small boats, but larger watercraft require a separate policy.
Do I need insurance for my boat if it’s in storage?
Yes! Theft, fire, and weather damage can happen even when your boat is out of the water.
Can I insure my boat trailer?
Absolutely! We offer coverage options for trailers and other accessories.
Does boat insurance cover me in any body of water?
Policies vary, but most cover inland and coastal waters. Let us know where you plan to take your boat, and we’ll find a policy that fits.
Get the Right Coverage Before You Hit the Water
Don't let an accident or unexpected event ruin your time on the water. Contact us today for a personalized quote and expert advice on the best boat insurance for you.