DRickard Insurance sells personal use boat insurance and personal watercraft insurance for many insurance companies for watercraft garaged or docked in New York State.
Boats and Watercraft
There are many types of boats and personal watercraft that we can find insurance coverage for, even some commercial use watercraft. Examples of watercraft that we may be able to find insurance coverage for: (Communicate with us for more specific information at 607-843-8860 or insurance@drickardinsurance.com.)
- Antique Boat - When they qualify, a special antique boat owners policy is most appropriate, contact us at 607-843-8860 or insurance@drickardinsurance.com.
- Bass Boat
- Catamaran
- Inflatable Watercraft
- Jet Ski
- Jet Boat
- Motor Boat
- Pontoon Boat
- Sail Boat
- And more, even if you don't find yours listed here you should still contact us at 607-843-8860 or insurance@drickardinsurance.com.
Coverage
You will want to consider these important types and even the appropriate amounts of insurance protection in these categories when making your boat and watercraft insurance choices. Please contact us at 607-843-8860 or insurance@drickardinsurance.com so we can help you with this. A short list of coverage to consider:
- Hull Insurance
- Liability Coverage - (liability limits available up to $1,000,000 and even more when we add a Liability Personal Umbrella Policy)
- Medical Payments
- Property Protection
- Uninsured Boaters Coverage - (In case that an uninsured boater causes an injury. How many uninsured boaters do you think there are on the water?)
Discounts
There are many discounts, credits and favorable rating factors that will help lower your insurance premiums. Not every insurance company offers all of the discounts or considers all of the factors listed below when creating an insurance policy We have listed some that we have found so that you may have these on your mind when talking about your boat insurance with us. Please contact us now at 607-843-8860 or insurance@drickardinsurance.com to talk about how we may help you save money on your boat and watercraft insurance. In some cases the combination of discounts can add up to 75% and apply to most premiums! Some discounts and insurance premium rating factors include:
- Accident Free
- Account Credit
- Area of Use
- Clean Driving Record
- Loss Free
- Loss Free Renewal
- Mature Boater
- Multi Policy Credit
- New Boat
- Renewal
- Safety Course
- Safety Device
- Or ... Maybe you will want us to add the boat coverage to your homeowners insurance! Contact us at 607-843-8860 or insurance@drickardinsurance.com.
Helpful Hints
Things to know when you contact to speed the premium estimation process include all of the personal information for the owners and operators, the hull id# and material of the hull, hull shape and configuration, horsepower, speed, engine configuration and value that you would like for the boat, engine and trailer. Contact us at 607-843-8860 or insurance@drickardinsurance.com to build you a policy today.