Boat Insurance

Navigate with Confidence with Our Boat Insurance

At Louis J Kirsch 3rd Insurance Agency, we know that owning a boat is a significant investment and a source of great enjoyment. Our boat insurance policies are designed to protect you, your vessel, and your passengers, ensuring you can navigate the waters with peace of mind.

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Physical Damage Coverage

This coverage protects your boat against physical damage resulting from accidents, theft, fire, or weather-related incidents. It includes protection for the hull, motor, and any permanently attached equipment, ensuring your boat can be repaired or replaced if damaged.

Liability Coverage

Liability coverage is crucial for boat owners, as it covers legal expenses and damages if you are found responsible for an accident that causes injury to others or damage to other boats, docks, or structures. This coverage helps protect your financial well-being in the event of a lawsuit.

Medical Payments Coverage

This aspect of our boat insurance provides medical payment coverage for you and your passengers in case of an accident. Whether the injury occurs on the water or while boarding or disembarking from the boat, this coverage helps with medical expenses, ensuring everyone on board is taken care of.

Frequently Asked Questions

  • What types of boats can be insured?

    Boat insurance can cover a wide variety of watercraft, including sailboats, powerboats, fishing boats, personal watercraft (like jet skis), and yachts. Our agents can help you find the right policy for your specific type of boat.

  • Is my boat covered when it’s not in use?

    Yes, our boat insurance policies typically cover your boat both in and out of the water. This includes coverage while the boat is stored on land, being transported, or docked at a marina.

  • Do I need boat insurance if my boat is only used occasionally?

    Even if you use your boat infrequently, it’s still at risk for accidents, theft, and damage. Boat insurance provides essential protection for your investment and liability coverage for any incidents that may occur, regardless of how often you use your boat.

  • Can I bundle boat insurance with other types of insurance?

    Yes, bundling your boat insurance with other policies, such as homeowner's or auto insurance, can often result in discounts and simplified policy management. Our agents can help you explore bundling options to save you money.

  • What should I do if I need to file a claim?

    If you need to file a claim, contact our agency immediately. We will guide you through the claims process, help you document the damage or incident, and work with you to ensure a smooth and efficient resolution.

Make the Most of Your Boating Adventures

Whether you're planning a relaxing weekend on the lake or an extended voyage along the coast, having the right boat insurance is essential. At Louis J Kirsch 3rd Insurance Agency, we are committed to providing you with comprehensive coverage tailored to your needs, so you can enjoy your time on the water without worry.


Ensure your time on the water is protected with comprehensive boat insurance from Louis J Kirsch 3rd Insurance Agency. Contact us today to learn more about our coverage options and to get a personalized quote.