Coverage Overview
Connecticut's prime location along Long Island Sound and numerous inland waterways makes it a boater's paradise. Whether you own a fishing boat, sailboat, pontoon, or luxury yacht, our specialized boat insurance protects your vessel, passengers, and investment against the unique risks of New England waters.
Tailored coverage for vessels of all sizes, from small runabouts to luxury yachts
Navigation areas covering Long Island Sound, Block Island Sound, and northeastern coastal waters
Options for extended cruising territories for vessels traveling to Florida or beyond
Hurricane haul-out coverage, important for Connecticut's vulnerability to Atlantic storms
What Our Boat Insurance Covers
We offer comprehensive boat and yacht insurance policies customized for Connecticut's waters, with coverage options for vessels of all types and sizes.
Hull Coverage
Protects the physical structure of your boat or yacht against damage from collisions, storms, theft, and other covered perils.
Liability Protection
Covers legal expenses and damages if you're responsible for injuries to others or damage to their property while operating your vessel.
Medical Payments
Pays for medical expenses if you or your passengers are injured in a boating accident, regardless of who is at fault.
Personal Property
Covers fishing equipment, water sports gear, navigation devices, and other personal items kept on your boat.
Towing & Assistance
Provides coverage for on-water towing, fuel delivery, and other emergency assistance services on Long Island Sound and beyond.
Specialized Yacht Coverage
Enhanced protection for luxury vessels with options for agreed value coverage, crew liability, and worldwide navigation.
Connecticut Boating Considerations
Boating in Connecticut waters presents unique risks and insurance considerations.
Seasonal Concerns
Connecticut's boating season typically runs from April through October, with special considerations for winter storage, spring commissioning, and hurricane season risks.
Coastal Navigation
Boating on Long Island Sound requires understanding tidal changes, navigational challenges, and interstate boating considerations when crossing into New York or Rhode Island waters.
High-Value Vessels
Connecticut marinas, especially in Fairfield County, host many luxury yachts that require specialized coverage for their higher values and unique equipment.