Owning a boat is an adventure, but it also comes with responsibilities—like ensuring you have the right insurance. At AW Burchell Agency Inc., serving the entire state of New York, we understand that boat insurance isn’t just about covering accidents on the water. Many policies include unique protections that most boat owners don’t even realize they have.

Lost or Stolen Personal Belongings

Did you know your boat insurance might cover more than just the vessel? Many policies include coverage for personal belongings on board. That means if your expensive fishing gear, water sports equipment, or even your phone is lost or stolen while on the boat, your insurance could help replace them.

Emergency Towing and Assistance

Cars aren’t the only things that break down unexpectedly—boats do too. If your boat runs out of fuel, experiences mechanical failure, or leaves you stranded, many policies include emergency towing and assistance. This can save you from a stressful situation and a hefty towing bill.

Wreckage Removal

If your boat sinks due to an accident or storm, the cost of removing it from the water can be significant. Some policies include removing wreckage and ensuring an expensive cleanup fee if the worst happens.

Fuel Spill Liability

Accidents happen, and if your boat leaks fuel or oil into the water, you could be responsible for cleanup costs. The good news is that some boat insurance policies cover fuel spill liability, protecting you from unexpected environmental fines.

Not sure if your current policy includes these coverages? AW Burchell Agency Inc., providing boat insurance to residents in New York, can help you navigate your options and ensure you’re fully protected. Contact us today to learn more!