Coverage Options

Our boat and marine insurance policies include a range of coverage options designed to meet the specific needs of boat owners in Annapolis, MD, and beyond:

• Liability Coverage: Protects you against claims for bodily injury and property damage that you may cause to others in an accident. This includes coverage for legal fees and settlements. 

• ​Collision Coverage: Covers the cost of repairing or replacing your boat if it is damaged in a collision with another vessel or object, regardless of who is at fault.

• Comprehensive Coverage: Provides protection against non-collision events such as theft, vandalism, fire, and other disasters, covering the cost of repairing or replacing your boat.

• Uninsured/Underinsured Boater Coverage: Protects you if you are involved in an accident with a boater who has insufficient or no insurance, covering medical expenses and property damage

• Medical Payments Coverage: Covers medical expenses for you and your passengers in the event of an accident, regardless of who is at fault.

• Personal Effects Coverage: Covers personal belongings on your boat, such as fishing equipment, electronics, and clothing, against theft and damage.

• Towing and Assistance Coverage: Provides coverage for towing services and emergency assistance if your boat becomes disabled on the water. 

• Fuel Spill Liability: Covers the costs associated with cleaning up a fuel spill that you are legally responsible for.

• Wreckage Removal: Provides coverage for the cost of removing your boat if it is wrecked and becomes a hazard to navigation.