Boat/Watercraft Insurance in Pennsylvania

Keystone State Insurance is an independently owned insurance agency that operates in West Chester, PA and the surrounding areas of Pennsylvania. With Keystone State boat and water craft insurance, we will ensure that the time you spend on the water with your family and friends is tranquil and stress-free. Our comprehensive coverage will provide you with financial safety for your passengers and your investments.

If you are not certain of what to look for in a Pennsylvania or Delaware watercraft insurance policy, Keystone State Insurance agency will assist you in determining the type of coverage to meet your individual needs. Please call or visit our offices in West Chester, PA to get started.

These are some of the items you will need to consider when looking to purchase a Pennsylvania or Delaware boat insurance policy.

Navigational area

Being aware of your water coverae is imperative. There are insurance companies that provide an individual with a protection coverage of 75 miles from the US coastline, into Canadian coastal or inland waters, and into Mexico’s Pacific coastal waters. In some states such as California, Florida, and Oregon additional coverage will require purchasing.

Agreed Value Coverage

Since boats depreciate just like cars, it is rather difficult to replace a vessel that has actual cash value policies in the event it is stolen or damaged. Therefore, the agreed value coverage ensures that you will get the value that you insured it for if your boat is at a total loss.

Fuel spill liability and wreckage removal

The law requires the owner of the watercraft to clean up any oil or fuel spills in the occurrence of a boat sinking or becoming damaged. If you find yourself in such a situation, this coverage will offer to pay for such.

Physical damage coverage

This coverage offers to cater for the costs that you incur if your boats/watercraft has been damaged or stolen. The policy will pay for repair or replace of your boat, motor, or any permanently attached equipment.

Personal effects

The personal effects coverage will offer protection for personal effects such as clothing, cell phones, fishing equipment, scuba/snorkeling gear, and as well as other sporting equipment. Each state carries with it unique limits. Therefore, it is highly advisable to inquire with our agents about the requirements in Delaware and Pennsylvania. The coverage excludes jewelry, timepieces, and any fur.

Emergency assistance

In case a watercraft is immobilized while on water, the relief aid package will provide coverage for towing, labor, delivery of gas oil, or a loaned battery.

Request a Quote