PRK Insurance Agency Inc

Set Sail with Confidence

Comprehensive Boat Insurance Coverage

Enjoy peace of mind on the water with our tailored boat insurance policies. Protect your vessel and ensure smooth sailing, no matter the adventure.

Contact Us Today

To get a quote or learn more about our services, you can contact us directly or fill out the form to the side. One of our friendly representatives will reach out to you shortly.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Frequently Asked Questions (FAQs) - Boat Insurance in New York

What does boat insurance cover?

Boat insurance typically covers physical damage to your boat, liability for bodily injury or property damage, medical payments, and additional coverage options such as towing and salvage.

Is boat insurance required in New York?

While boat insurance is not legally required in New York, it is highly recommended to protect your investment and cover potential liabilities. Some marinas and lenders may require it.

How is the cost of boat insurance determined?

The cost of boat insurance is based on factors such as the type, size, and value of the boat, its usage, the owner's experience and boating history, and the chosen coverage limits and deductibles.

What types of boats can be insured?

Boat insurance can cover various types of watercraft, including sailboats, powerboats, pontoon boats, fishing boats, personal watercraft (jet skis), and yachts.

Does boat insurance cover personal belongings on the boat?

Yes, many boat insurance policies include coverage for personal belongings on the boat, such as fishing equipment, electronics, and personal items. Check your policy details for specific coverage limits.

What should I do if my boat is damaged?

If your boat is damaged, contact your insurance company as soon as possible to file a claim. Document the damage with photos and keep receipts for any repairs or replacements.

Does boat insurance cover towing and assistance?

Yes, many boat insurance policies offer coverage for towing and assistance, which can include on-water towing, fuel delivery, and jump-starts. Check your policy for specific coverage options.

What is the difference between agreed value and actual cash value coverage?

Agreed value coverage pays a predetermined amount agreed upon when the policy is written, without depreciation. Actual cash value coverage pays the depreciated value of the boat at the time of the loss.

Can I get discounts on my boat insurance?

Yes, insurers may offer discounts for safety features, boating education courses, bundling policies, and having a clean boating record.

How can I lower my boat insurance premium?

You can lower your premium by increasing your deductible, installing safety features, completing boating education courses, and maintaining a clean boating record.

Protect Your Future Today

Get expert insurance advice from PRK Insurance Agency Inc in Melville, NY.