Watercraft Insurance


Are you making decisions on the open water that leave you open to risks? Without comprehensive watercraft insurance you may not be covered in many situations that come up on your boat.

A family vacation that turned into a nightmare

This past summer we went on our annual family vacation with six adults and three small children. One evening we decided to take the boat and go to dinner down the Chesapeake Bay. We docked and went to dinner.  Approximately two hours later we went back to the boat, but it wasn’t there.  With no transportation, two of us hitchhiked back to where we were staying.  We returned for the rest of the family and finally got all of us back to the house.  That was the start of the family vacation that turned into a nightmare.

Our boat was found the next day, after significant damage to the boat, two other boats and an injured person in the hospital. Witnesses reported three men in our boat at a high rate of speed while it went by a group of people swimming next to their boat.  Our boat reportedly turned sharply to avoid hitting one person in the water and struck another swimmer before it sped away and out of sight.

Much of that day was spent with police.  Since no one knew who was in the boat, the police took extensive measures to determine that it wasn’t us.  I hope no one ever has to go through something like this.  The annual family vacation turned into a nightmare that ruined the entire week.

We never could have imagined that this would have happened to us.

At Hornafius Insurance Agency, we will protect you, your boat, and your passengers with the precise boat insurance needed for your vessel.

If you spend your free time out on the water make sure that your insurance coverage extends beyond the dock.

Watercraft Insurance is specifically designed for the watercraft owner. Coverage includes:

  • Collision Insurance
  • Boat Liability Insurance
  • On-Craft Medical Coverage
  • Towing and Assistance Costs

You may be thinking about the costs to get this coverage. Since you can customize watercraft insurance to exactly your needs, you’ll never pay more than you have to.

Watercraft Insurance offers comprehensive coverage to all owners of boats, yachts and small water vehicles. This policy can include options to protect you against breakdowns, accidents, uninsured boat owners and medical costs.

Two reasons to act now:

  1. Right away, you can understand what risks are covered and protect yourself when you are out on the water.
  2. You can receive a no-risk insurance proposal within a day. Simply Request a Quote and we’ll get back to you with a cost-effective program that takes the guesswork out of your days on the water.

We look forward to working with you!