Enjoy peace of mind on the water with coverage tailored to your boat and your lifestyle. PRK Insurance Agency, Inc. makes it easy to protect your vessel, passengers, and liability.
Enjoy peace of mind on the water with coverage tailored to your boat and your lifestyle. PRK Insurance Agency, Inc. makes it easy to protect your vessel, passengers, and liability.
Boat insurance can help cover damage to your vessel, liability if someone is injured, and protection for certain equipment. Coverage varies based on your boat type and policy options.
Boat insurance isn’t always required by law, but many marinas and lenders may require it. Even when it’s optional, it helps protect you from expensive accidents and losses.
Liability coverage helps protect you if you cause damage to another boat or someone is injured while you’re operating your watercraft. It can also help with legal costs in certain situations.
This coverage may help repair or replace your boat after a covered accident, collision, or weather related damage. It can also protect against theft and vandalism depending on your policy.
Pricing depends on factors like boat value, age, size, horsepower, how it’s used, where it’s stored, and your coverage limits. We help you compare options to find the best fit.
Many boaters add coverage for towing and assistance, personal effects, fishing gear, or trailer protection. The right add ons can make a big difference when something goes wrong.
PRK Insurance Agency, Inc. helps New York boat owners get the right coverage without the confusion. Since 2004, our local team in Melville, NY has made it easy to compare trusted options, understand what’s covered, and protect your vessel, passengers, and liability with confidence.
Get clear answers to common boat insurance questions, including what’s covered, what affects pricing, and how to choose the right protection in New York.
Boat insurance can help cover damage to your vessel, liability if someone is injured, and certain equipment or accessories. Coverage depends on your boat type and policy.
Boat insurance isn’t always required by law, but many marinas and lenders may require it. Even when optional, it helps protect you from costly accidents and losses.
Many policies include physical damage coverage that can help repair or replace your boat after a covered collision or accident. Coverage varies by policy and deductible.
Boat insurance may cover theft, vandalism, and certain types of damage depending on your coverage. It’s important to confirm what’s included based on how and where you store your boat.
Liability coverage helps protect you if you cause damage to another boat or someone is injured while you’re operating your watercraft. It can also help with legal costs in certain situations.
Many boat policies include liability coverage that can help if a passenger is injured. Medical payments coverage may also be available depending on the policy.
Some policies can include trailer coverage, while others require it as an add on. We can help you confirm whether your trailer is covered.
Some policies offer limited coverage for personal items, fishing gear, or onboard equipment. Higher value items may need additional coverage.
Towing and assistance coverage may be available as an add on. It can help cover expenses if your boat breaks down or needs emergency towing.
Pricing depends on factors like boat value, age, size, horsepower, usage, storage location, coverage limits, and deductible. Discounts may also apply.
Yes. Coverage may be available for boats, jet skis, and other personal watercraft. The right policy depends on the type of vessel and how you use it.
Yes. PRK Insurance Agency, Inc. helps New York boat owners compare coverage options and choose the right protection with clear guidance and fast support.