Keystone State Insurance

929 S High St #20B
West Chester, PA 19382

What Things Should You Consider when Buying boat Insurance

Keystone State Insurance in West Chester, PA can advise you on what you need to stay protected while operating a boat in Pennsylvania. While the Pennsylvania Fish and Boat Commission does not require a boating license, you need, in most circumstances, to carry a card which signifies that you have a Boater Safety Education Certificate if born after January 1, 1982. This approved boater safety course certifies yourself to operate a boat.   

The card, while not a license, has the same force of a license. The Pennsylvania Fish and Boat Commission officers enforce the requirements and will arrest those boaters who are legally under the influence of alcohol.

Recreational boating is a leisure activity where over 87 million U.S. adults participate. When buying boat insurance, certain things must be taken into consideration:

How is the boat used?

  • Pulling water skiers at high speeds?
  • Will there be passengers in the boat at high speeds?
  • Adequate liability coverage would be necessary for injuries.

Do you need a separate policy?

  • Homeowners insurance is not enough for a boat stored off of the home’s property.
  • Proof of separate insurance is needed if the boat is stored over the winter and it is required by the marina. 

Emergency towing needed?

  • Recommended if you boat on large lakes
  • Towing can be expensive without insurance

Need special equipment on the boat?

  • Downriggers and electronic equipment can be covered by a boat policy
  • Insurance can cover other accessories on the boat

Susceptible to animal damage?

  • Raccoons, rodents, cockroaches, weevils
  • Can protect your vessel while it is being stored from animals

Keystone State Insurance will find a policy to protect you and your boat. Please call for more information and a quote.

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