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WHAT IS BOAT INSURANCE?
A boat insurance policy covers your boat or personal watercraft against physical damage to your boat in case of accidents. It also protects you by covering medical expenses and other costs. It may include sailboats, motorboats, and other watercraft structures by covering events like theft, wreckage removal, boat crashes, etc. Reliable insurance can go a long way and protect your water vessel against various perils!
WHY DO I NEED AN INSURANCE FOR MY BOAT?
Lenders will require you to have boat insurance to protect their investment, ensuring financial security and peace of mind for both parties involved.
Boat insurance safeguards you from financial losses due to accidents, theft, or other non-accident situations, ensuring comprehensive protection.
Boats are at high risk from natural disasters like floods, hurricanes, and storms, making insurance crucial to protecting your watercraft from significant damage.
Homeowners insurance often doesn’t cover boat damage, so a dedicated policy is necessary to protect your vessel against accidents and other risks fully.
Insuring your boat year-round instead of seasonally is beneficial. It often reduces deductibles and loyalty discounts for maintaining a claim-free record.
What Types Of Boat Can I Insure With CINCO Auto Insurance?
Powerboats face many risks on the water. Get comprehensive coverage to secure your powerboat against accidents and damage.
Our sailboat insurance covers sailboats in unforeseen situations, providing tailored policies to protect your vessel.
With our specially designed insurance plans, you will be financially covered if your watercraft is involved in an accident or event.
We offer insurance for fishing boats, covering unexpected situations like fire, rain, or storms to protect your boat.
Cover your houseboat with our customized solutions, ensuring protection for cabin cruisers or floating homes in any unforeseen situation.
For luxury yachts, secure inclusive insurance solutions that cover unexpected situations and ensure comprehensive protection.
WHAT COVERAGE CAN I GET FOR MY BOAT ?
Liability Coverage
It covers costs for injuries or damage you cause to others while boating, including legal expenses.
Medical Payments Coverage
It helps you and your passengers pay for medical expenses resulting from boating-related injuries.
Uninsured/Underinsured Boater Coverage
It protects you financially if you're involved in an accident with an uninsured or underinsured boater.
Personal Injury Protection (PIP)
Covers medical expenses, lost wages, and other costs for you and passengers after a boating accident.
Collision Coverage
This coverage covers repairs or replacement costs if your boat collides with another vessel or an object.
Comprehensive Coverage
This coverage protects against non-collision events like theft, vandalism, or weather damage to your boat.
Towing and Assistance Coverage
It covers emergency towing, fuel delivery, and other assistance if your boat breaks down on the water.
Wreck Removal Coverage
In case of a covered event, wreck removal coverage helps you remove your boat from the water.
Fishing Equipment Coverage
Fishing equipment coverage is for anglers who want to protect their fishing equipment in case of a covered peril.
WHY IS CINCO THE BEST CHOICE FOR BOAT INSURANCE?
Excellent Customer Service
Get Free Quotes
Multiple Convenient Locations Near You
Get Discounts
Affordable Premiums
HOW MUCH DOES BOAT INSURANCE COST?
Boat insurance coverage costs vary greatly based on each person's circumstances, but they are mostly between $200 and $500. Several factors can cause these costs to vary significantly. Your insurance company will mainly consider the following:
WHAT ARE THE REQUIREMENTS FOR BOAT INSURANCE?
Proof of Insurance
Provide proof of insurance for marinas or boat financing to confirm you meet the required coverage limits.
Minimum Coverage
Each state mandates minimum liability insurance to ensure protection in accidents where you're not at fault.
Additional Coverage Options
Consider collision, MedPay, comprehensive, and UM/UIM insurance for extra protection beyond basic liability.
Qualifications and Safety Courses
Completing boat safety qualifications and safety courses may earn discounts, promoting responsible boat ownership.
Boat Survey
Insurance may require a boat survey for proper coverage, especially for older or high-value boats.
Deductibles
Choose a higher deductible to lower your premium, but remember you'll pay this amount before insurance kicks in.
Payment of Premiums
Timely premium payments are crucial to maintaining your policy and avoiding coverage lapses.
HOW IT WORKS
EXPLORE
Explore our comprehensive and inexpensive boat insurance options for smooth sailing with proper protection.
Connect
Contact our skilled boat insurance agents to learn more about our tailored plans and get a free quote.
Compare
Acquire quotes from various providers and compare the rates to find the most budget-friendly option for yourself.
GET A FREE BOAT INSURANCE QUOTE
Get the ideal insurance plan for your beloved boat with CINCO! Our boat insurance quotes are just one click away from connecting you with your area's most reliable auto insurance providers. Our job is to find the perfect coverage that also fits your budget. And you know what's the best thing? Your first quote from us will be on us—for free!
FREQUENTLY ASKED QUESTIONS REGARDING BOAT INSURANCE
WHY CUSTOMERS LOVE CINCO AUTO INSURANCE?
Cashauna Burks
Edward was nice, he put up with me. Keep him, he will help you and negotiate and listen. Good rate
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Gonzalez Prestige
Very fast and reliable service I had misplace my paperwork and they found it in less than a minute thank you guys keep on the good work
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Tihesha Wise
Best quote I had in the past 3 days lowest quote for real! Quick sign up and rep was super patient and kind while he reviewed everything I really appreciate this.
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Samuel Uribe
I strongly recommend this place they gave me the best deals and worked with me.. Ana is the rite person to go to she will definitely help you.
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GoddesSina Qadesh
I am very satisfied!! Very reasonable price and was done in minutes. I definitely recommend.
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Nelly Merced
Jenireth was such an amazing help with setting me up with a car insurance. Very affordable prices and great customer service when calling.
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Terrance Wilson
Amanda was very helpful with getting insurance. She searched multiple companies to get me the best rate possible. Great customer service!.
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Marcela Contreras
Great service overall, agents were super helpful. All of our questions were answered and I have to say I do ask a lot of questions. Also, prices are accessible. Win-win. 😊
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Will
Amy is a really sweet lady. She helped me and insured me quick easy and smooth. Great customer service.
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Mike J
Yolanda was wonderful, well mannered, respectful, very professional and clear in regards to getting my policy. I give her a 10!!!.
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Yolanda has been the biggest help to find me the best insurance. Excellent customer service. She really cares about her clients.
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Karina was absolutely GREAT!! GREAT!! customer services all around. Highly recommended 💯
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Karina was so amazing 👏 she honestly deserves a raise!!! Made everything fast and easy! Super consistent with follow ups!!
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Evelyn was very nice! She helped us find and get an affordable price for insurance. Recommend her if you’re looking for a fast and easy experience!
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The service was wonderful, Veronica explained it to me very calm and broke it down to help me understand everything. I appreciate the patience and kindness.
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Diana Ontiveros
Thank you to aime! Great customer service! Super attentive, great rates! Definitely will be recommending to my family and friends
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Veronica was very helpful and got me the lowest price out there ! 100% recommend going to her for the lowest rates!.
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Angel ADB
I had a great experience with Oscar! He provided excellent help and service, giving me a very competitive quote on my vehicle. Highly recommend!
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Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
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Linda.Lucas2974 Lucas
Best service I have ever had from insurance companies. Thank you Aime for your service and help I’m sorry but she is the best. She went above and beyond to help us!
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