Boat-owners Insurance in CT
Whether you’re cruising along the Connecticut shoreline, fishing in Long Island Sound, or enjoying a weekend getaway on the water, you count on your boat for freedom and relaxation. But are you confident you have the right protection at the helm? The cheapest boat insurance policy isn’t always the best, especially when an accident or unexpected damage occurs.
Boat Owners in Guilford and Beyond
If you own a boat in Guilford, Connecticut, or any nearby area, boat insurance is a must. From recreational boats to larger yachts, owning a vessel comes with risks—whether it’s damage from storms or collisions. Protecting your boat with insurance ensures you’re financially covered, allowing you to enjoy the water without worry.
Local Waters, Unique Risks
The waters in Guilford and along the Connecticut Shoreline present unique challenges. Whether navigating busy harbors or facing unexpected coastal storms, boat insurance helps safeguard against these local risks. It covers everything from accidental damage to theft, so your investment is secure no matter the situation.
Liability Protection for Boat Owners
Boat insurance doesn’t just protect your vessel; it also covers liability. If someone is injured on your boat or if property is damaged, liability coverage ensures you’re not financially responsible. For boat owners, this peace of mind is invaluable, especially on busy, crowded waters like those in Guilford.
Personalized Boat Insurance for Your Needs
At Page Insurance, we specialize in providing personalized boat insurance that protects your vessel, passengers, and peace of mind. Based in Guilford, Connecticut, we understand the unique risks that boat owners face along the Connecticut Shoreline, from sudden storms to crowded marinas.
Independent Agency Working for You
As an independent agency, we work for you and not a single insurer. This allows us to compare coverage options from top-rated marine insurance carriers to find the best policy at the best price, all while ensuring you have the right protection.
Local Expertise and Dedicated Service
We offer local expertise that ensures your boat insurance policy is customized to your needs. Whether you are a seasoned boater or new to the water, our dedicated agents guide you through every step, from selecting the best coverage to managing claims. At Page Insurance, we provide responsive, personal service that national providers cannot match.
Comprehensive Protection for Your Vessel
Our boat insurance policies provide comprehensive coverage to protect your vessel from a variety of risks. Whether you have a small personal watercraft or a larger yacht, we ensure your boat is covered for damage due to accidents, weather events, or theft.
Liability Coverage for Your Peace of Mind
In addition to protecting your boat, our policies include liability coverage. This ensures that if someone is injured on your boat or property is damaged, you’re financially protected from legal claims and medical expenses. Liability coverage is essential for all boat owners.
Additional Coverage Options
We offer customizable add-ons like collision coverage, comprehensive coverage for non-accident-related damages, and uninsured boater protection. Our team in Guilford, Connecticut will help you select the right policy to meet your needs, ensuring you have the protection you need on the water.
How much boat insurance do I actually need?
While Connecticut has minimum legal requirements for boat insurance, they are often too low to protect you in the event of a serious accident on the water. We recommend liability limits high enough to safeguard your vessel, home, and savings. Our team will review your unique boating situation and help you choose coverage that provides real peace of mind, not just the bare minimum.
How can I lower my boat insurance premium?
There are many ways to save. The number one way is to bundle your boat and home insurance with the same carrier. We can also look for discounts you may be eligible for, such as safe boater, multiple policy, or paid in full discounts. Adjusting your deductibles can also help lower your premium.
Does my policy cover me if I operate a rented or borrowed boat?
In many cases, the coverage from your personal boat insurance policy does extend to a rented or borrowed boat. However, the specifics can vary. If you want coverage for the cost of renting a boat while your vessel is being repaired after an accident, you need a specific add-on called “Rental Reimbursement.” We can explain your options clearly.
Get the Right Coverage for the Waters Ahead.
Don’t settle for a one-size-fits-all policy. Let our local experts find the best boat insurance for your needs and budget.