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Boat/Watercraft Insurance

Worthington Insurance Group in Kentucky will work hard to find you and your family an insurance policy for your boat or other watercraft that will keep you and your boating equipment protected at all times. Even while your boat is parked at a marina, something can happen to it. Boat and watercraft insurance is highly recommended so you do not have to worry about coming out of pocket to pay for damage expenses, or worse, worry about a total loss that you cannot afford to replace.

Boat/Watercraft Insurance Requirements

You will leave yourself and your boat highly susceptible to a variety of issues if you do not invest in insurance to keep you protected. Kentucky does not legally require boat owners to obtain insurance to operate their vessels. However, there are other legalities you must abide by. For example, you must be sure to register your boat. There are also some marinas that may require you to show proof of insurance and registration if you plan on keeping your boat docked with them.


Here are some of the most common types of coverage you can obtain for your boat or other watercraft:

  • Navigational area- It helps to know where you are covered in the water at all times. The most common protection for this option is coverage for up to 75miles from the U.S. coastline.
  • Agreed value coverage- Just like vehicles, boats will depreciate as well. If you experience a total loss of your boat, this option will make sure that you get the value, minus the deductible, that you insured it for.
  • Liability- This option will protect other boat owners or boaters if you are involved in an accident at at-fault. Coverage will cover repair expenses and even medical care expenses.
  • Medical payments- This option will cover all medical expenses resulting from a boating accident.


Visit our Worthington Insurance Group website today to obtain a quote for your boat or other watercraft. We serve all residents of Kentucky.

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