Boat Smarter This Summer with Day Insurance Agency
Boating season is here, and whether you ride a jet ski or cruise on a pontoon, now is the time to understand what to know about boat & watercraft insurance. Day Insurance Agency helps Pennsylvania boaters stay protected on every outing.
Do You Need Boat Insurance in Pennsylvania?
While not required by state law, boat insurance becomes essential when:
- Your boat is financed or leased
- You dock at a marina
- You own a high-value vessel
- You operate in multiple states
Repairs after storms or accidents can cost thousands. Coverage keeps you protected on and off the water.
What Does a Standard Boat Insurance Policy Cover?
Typical policies include:
- Physical damage: Collision, theft, storms, capsizing
- Liability: Injury to swimmers, damage to docks or other boats
- Medical payments: Injury coverage for you and passengers
- Uninsured boater: Protection from uninsured operators
- Towing & assistance: Fuel delivery, breakdown help (optional)
Do Jet Skis and Personal Watercraft Need Insurance?
Yes—especially for newer or high-speed models. Coverage includes:
- Collision and physical damage
- Liability and injury protection
- Medical payments and uninsured boater coverage
Important: Homeowners policies usually exclude liability for PWCs.
Avoid These Common Boat Insurance Mistakes
Stay protected by avoiding these oversights:
- Relying on homeowners insurance off-property
- Not insuring your trailer
- Skipping off-season protection
- Excluding guest operators
- Choosing cash value over replacement cost
Tips to Save on Boat Insurance Without Sacrificing Protection
You can lower your premium by:
- Bundling policies
- Taking a boater safety course
- Installing safety gear
- Using secure storage
- Raising your deductible (if budget allows)
Boating should be relaxing—not risky. Day Insurance Agency can help you enjoy the season with reliable coverage and peace of mind.
Don’t launch without protection. Call Day Insurance Agency at (724) 228-3448 in Washington, PA or (724) 356-7700 in Hickory, PA. Discover what to know about boat & watercraft insurance.