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Set Sail with Coverage You Can Count On
From a quiet morning fishing trip to a weekend cruise with friends, one mishap on the water can cost thousands in repairs or liability.
Boat insurance, often just a few hundred dollars a year, covers collisions, storms, theft, and passenger injuries. At Trailstone Insurance Group, we compare top carriers and explain your options clearly, so you can choose coverage that fits your boat and your adventures.
Why Your Boat Is Part of Who You Are
A boat is not just something you own. It is a part of your identity, your freedom, and your best stories. Protecting it means protecting the life you have built on the water.
Life on the water
The water changes fast. A glassy morning can turn rough before you make it back to the dock, which is why hull coverage and towing assistance are essential.
The value you carry
Your boat holds the gear and comforts that make every trip yours. Personal property coverage ensures they are replaced if damaged or stolen.
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The responsibility you hold
When you set out, you are responsible for your passengers, other boaters, and the water itself. Liability coverage and fuel spill protection safeguard them all.
Coverage for Every Kind of Boat
Different boats come with different risks, and the right coverage makes all the difference. Here are six common types we insure:
Fishing Boats
From bass boats to center consoles, coverage should protect the hull, motor, electronics, and fishing gear from accidents, theft, or storm damage.
Pontoon Boats
Ideal for leisure cruises, pontoons need coverage for collision repairs, passenger liability, and upgrades like canopies or sound systems.
Sailboats
Sailboats face unique risks such as mast and rigging damage. Policies can also include liability and towing when weather turns.
Speedboats
Built for performance, these boats often have higher accident risk. Comprehensive coverage should include collision, liability, and engine protection.
Personal Watercraft (Jet Skis)
Small but powerful, PWCs require coverage for injury liability, theft, and damage, especially if used in busy waterways.
Yachts
Luxury vessels need specialized policies that cover high-value repairs, crew liability, and extended voyages.
Why Most Boat Damage Happens Before You Even Leave the Dock
Ask most boat owners when their boat is at risk and they will say when it is on the water. The truth is, a lot of damage happens while the boat is parked, stored, or being towed.
- Thieves target boats in driveways, marinas, and storage lots
- Storms and falling trees can cause severe damage long before the season starts
- Towing accidents can ruin both your boat and your vehicle in an instant
Your boat is part of your life, not just your weekends. Protect it every day of the year so you are ready to launch whenever adventure calls.
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Our Simple process
Your Path to the Best Boat Insurance
Getting the right insurance should not be confusing or stressful. With our four-step process, you get protection you can trust and the confidence of knowing that when disaster strikes, so that you know you are covered the right way.
Start With a 15-Minute Call
No one else has your exact life, your business, or your priorities. On this call, we dig into what matters most to you and build a policy around it. No generic quotes. No guessing. Just coverage that’s right for you.
Know Your Options. Protect What Matters.
We check with 40+ A-rated carriers and send a simple video that explains your best coverage options, so you can choose confidently without feeling rushed or pressured.
Make a Confident Choice
After reviewing your options, we make adjustments as needed so your policy fits just right. No more paying for the wrong coverage or putting off peace of mind.
Switch With Confidence. We’ll Handle the Rest.
Forget the hassle of starting over. We make sure your new coverage is in place and your transition is seamless, because getting protected should feel easy.
Answers you can trust, whenever you need them.
Explore Boat Insurance in the Learning Center
Insurance shouldn't feel confusing. Our Learning Center gives you clear, helpful information so you can make confident choices about your coverage.
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