Hull and motor
Helps repair or replace your boat and motor after a covered loss such as collision, fire, theft or storm damage.
What it covers
What boat coverage can include
A boat policy covers the boat, its motor and equipment, and your liability while you are on the water. A homeowners policy often provides only limited coverage for boats. Coverage options vary by policy and carrier.
Liability
Helps if you are legally responsible for injuring someone or damaging their property while operating the boat, including a passenger or a person being towed.
Medical payments
Can help with medical bills for you or your passengers after a covered accident on the boat.
Trailer
Many policies can include the trailer used to haul your boat, usually listed on the policy.
Towing and salvage
Helps with the cost of towing a disabled boat or recovering it after a covered loss, depending on policy terms.
Personal items and equipment
Fishing gear, electronics, life jackets and other items kept on board can often be covered, with limits.
Who needs it
Who needs boat insurance
If any of these sound like you, it is worth a quick conversation. We serve Kentucky, Ohio and Indiana.
Owners with a loan
Lenders typically require insurance, and so do many marinas and storage facilities.
Owners of pontoons and family boats
Passengers and tubing or skiing add liability exposure. Your policy should reflect how you use the boat.
Anglers and bass boat owners
Motors, electronics and trailers are significant parts of the value. Make sure they are all listed.
Personal watercraft owners
Jet skis and similar watercraft have their own rules and options. Tell us what you have.
Local agency
Boat coverage in Florence, Boone County and Northern Kentucky
Northern Kentucky boaters have the Ohio River on the north edge of Boone, Kenton and Campbell counties, along with access to lakes across Kentucky, Ohio and Indiana. Where you boat matters, so tell us whether you stay on the river, head to inland lakes or travel farther for the weekend.
Turner Insurance Group is based in Florence and writes policies in Kentucky, Ohio and Indiana. If your boat is stored in one state and used in another, we will talk through how that affects your coverage.
Be prepared
What to have ready
Boat details
Year, make, model, length, hull identification number, motor type and horsepower.
Where it is kept
A marina slip, a trailer in the driveway or covered storage can all matter. Tell us where it stays.
Where you boat
Rivers, inland lakes or larger bodies of water can affect coverage options.
Who operates it
Share the experience of each regular operator, including any boating safety courses.
FAQ
Common questions
Does my homeowners policy cover my boat?
Homeowners policies often provide only limited coverage for watercraft, and many exclude boats above a certain size or with larger motors. A boat policy is written for the way a boat is used. We will help you see what your homeowners policy does and does not include.
Is boat insurance required?
Requirements vary. Lenders, marinas and storage facilities commonly ask for proof of insurance. We can help you confirm what applies to your situation.
Can I insure my boat trailer?
Often yes. Trailers can usually be listed on the boat policy, subject to terms and limits.
What about jet skis and other watercraft?
Personal watercraft can generally be insured, though terms differ from larger boats. Share the make, model and how you use it.
Do you write boat policies in Ohio and Indiana?
Yes. We write policies in Kentucky, Ohio and Indiana. Coverage options vary by policy and carrier.
What does an agreed value policy mean?
On some policies, you and the carrier agree on the boat's value when the policy is written. On others, payment is based on actual cash value at the time of loss. We will explain the differences available to you.
Keep reading
Related coverage & guides
Golf cart insurance · RV, camper & travel trailer · Umbrella insurance · Motorcycle insurance · Homeowners insurance · All coverage
Areas we serve: Florence · Burlington · Hebron · Union · Erlanger · Independence · Covington · Newport · Fort Thomas · Walton · Lexington
Ready for a boat quote?
Request a quote online, or call or text our Florence office at 7000 Houston Rd, Ste 12. We serve Kentucky, Ohio and Indiana.