Toll Free: 800-568-SAVE (7283)

Local: 631-589-0100

Personal Business Life & Health Affinity Programs Firefighters Claims About Contact

Boat & Yacht Coverages and Options

When it comes to boat or yacht insurance, each insurance company is different in its offerings.  Not all boat or yacht policies are created equal!  We offer boat and yacht insurance products from several insurance companies, including Travelers and Progressive.

Here is a sampling of the benefits of insuring your boat or yacht through Hometown Insurance Agency.

Exceptional Coverage

Physical Damage coverage:  provides protection in the event of a collision with a submerged object or another boat.

Liability coverage:  for bodily injury or damage to the property of others.

Personal Property coverage:  protects personal property on the boat including such items as your clothing, stereo system, cameras, fishing equipment and other personal items.

Towing and Assistance coverage:  to transport your boat to a repair facility when it’s inoperable and you’re stranded.  Emergency services such as gas delivery for boats and roadside assistance are also available.

Dollars and Sense – Flexible Pricing Programs

You choose – Agreed Value or Actual Cash Value coverage.  Agreed Value entitles you to the “replacement value” on most partial losses involving your vessel, its furniture, fixtures and electronic equipment.  Actual Cash Value earns you a substantial premium discount.  In the event of a loss, settlement is based upon a depreciated value.

Education discounts:  for safe boating courses, including Power Squadron and U.S. Coast Guard.

Equipment credits are available for safety equipment such as built-in fire extinguisher systems and burglar alarms.

Flexible payment options allow you to choose direct billing, Electronic Fund Transfer (EFT) or Credit Card.  By using EFT or Credit Card, you can save time and avoid the cost of postage for mailing your insurance premium.  Visit to sign up for Electronic Funds Transfer or Credit Card today.

*Products Subject to State Availability

For more information about Travelers and our other boat insurance products, contact Hometown Insurance Agency today at (631) 589-0100!