Watercraft & Boat Insurance

Virginia’s abundant waterways offer boating enthusiasts numerous opportunities for recreation and relaxation. Whether you enjoy cruising the river or taking weekend trips to the Chesapeake Bay, having appropriate coverage can provide financial support when unexpected situations occur on the water.

At HIS Insurance & Services, we understand what Winchester boat owners need when seeking reliable coverage.

What Is Boat Insurance?

Boat insurance is a type of policy designed for watercraft owners. It can help manage accidents, damage, theft and liability costs. Most boat insurance policies include several types of coverage working together to create financial support:

• Liability coverage may help with expenses if your boat causes injury to others or damages their property.

• Physical damage coverage may assist with repair or replacement costs for your vessel after accidents, theft, or vandalism.

• Medical payments coverage may help with health care expenses for you and your passengers after boating accidents, regardless of fault.

• Uninsured/underinsured boater coverage may help if you’re involved in an accident with an at-fault party who lacks adequate liability coverage.

• Fuel spill coverage may assist with environmental cleanup costs.

• Emergency services coverage may help with towing expenses or on-water assistance when mechanical failures occur.

What Watercraft Types Are Usually Included in Boat Insurance?

Although coverage options and requirements may vary based on the vessel type, size and usage, boat insurance can cover many types of watercraft, including the following:

• Fishing boats, from small aluminum craft to larger bass boats, generally qualify for standard boat insurance policies. These versatile vessels represent a common category for Winchester boaters who enjoy local lakes and rivers.

• Pontoon and deck boats, popular for family recreation on Virginia waterways, usually fall under standard boat insurance. Their stable platforms and social nature make them ideal for leisurely outings, while their reasonable speeds typically result in moderate insurance rates.

• Cruisers and cabin boats often require more specialized coverage due to their higher values and overnight capabilities. These vessels may need additional coverage for personal effects stored onboard and equipment like navigational electronics.

Find Your Watercraft Coverage

Contact HIS Insurance & Services today to explore boat insurance options tailored to your Winchester boating needs. Our team understands Virginia’s watercraft considerations and can help you find coverage that offers appropriate financial support for your time on the water.