Boat Insurance
for Troy, Clifton Park, Albany, Schenectady, Rensselaer, NY & Beyond

Boat insurance is only mandated in a few states. New York State does not require operators to purchase boat insurance, but it is still highly advisable as you can never be sure what will happen out on the waters. You may be required to purchase boat insurance if you are financing the watercraft and some marinas may require it if you are docking your watercraft with them.

At Apple Auto Agency, we help boaters in the Troy, Clifton Park, Albany, Schenectady, and Rensselaer, NY areas find the policy that fits their needs and budget. We work with well-known insurance companies including Progressive, National General, and Mercury Insurance.

What Is Boat Insurance?

Boat insurance helps pay for injuries or damage you cause while boating. It may also cover for any loss or damage to your watercraft depending on the policy you choose. You can also select additional coverages depending on the protection you want.

Standard Boat Insurance Benefits

Full replacement cost - If you carry comprehensive and collision coverage, you'll get a payout for the watercraft to its pre-accident condition.
Bodily injury & property damage liability (BI/PD)- If you are in a boat accident and liable for injury or damage, you are covered.
Fuel spill- Your insurance policy will pay for fuel spills.
Wreckage removal- Your policy will cover removal costs if your boat sinks.
Roadside assistance- If you have trailer coverage, this policy will pay to tow your vehicle.
Water sports coverage- If injury or damage happens during tubing, wakeboarding, or similar activities, you'll be covered.

Contact Us

While most boating experiences are safe and fun, accidents do happen resulting in property damage, injuries, and death. Let us help protect you from the unknown with policies from Progressive, National General, and Mercury Insurance. Contact us today to purchase a policy in the Troy, Clifton Park, Albany, Schenectady, and Rensselaer, NY areas.