Boat Insurance

Get your free quote for Ravenna boat insurance call 330-296-3628 or visit us RC Cook Insurance.

What floats your boat?

Getting out on the water in your boat, jet ski, or other watercraft is likely one of your favorite places to be. But owning a boat can increase liability risks (even when you’re on dry land.)

Let’s make sure your “financial boat” doesn't sink should you hit any unforeseen crosswinds or rough water.

Does homeowner's insurance cover your boat?

… Maybe, if it’s just parked out in your driveway.

The fact is, homeowner’s policies usually place numerous restrictions on boat owners depending on the size, horsepower, and damage coverage you expect.

In other words, if you don't carry a specific boat insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage or sink, or a guest causes an accident.

What’s insurance for, anyway?

Keep in mind that you can’t buy insurance after you have an accident. That means you should think carefully about the position you want to be in if you’re ever in an accident, or spring a leak.

That means you should think of your boat insurance as a shield.

Now, imagine someone driving their boat right into that shield.

Will it hold?

Our main job is to make sure your shield can withstand as much damage as possible for the most reasonable cost.

That means, we’ll show you all of your protection options, recommend the right limits and make sure you receive every discount you’re entitled to.

And that’s just one reason you should consider talking to a real person at our local office, instead of a telephone salesperson working for a cartoon reptile.

What boat insurance covers—and what’s optional...

The most important thing we cover are the things that are important to you. Typical coverages should include:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

And we provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat
  • Many others, let’s talk

Boat insurance discounts spoken here

We also work with carriers who provide multiple boat insurance discounts, which reduces the cost but gives you the exact same high-quality coverage. Here are just a few ways you may be able to save, including if you ...

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Paid your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Don't Let this be you...

Boating in Northeastern Ohio is a hobby or pastime for some but many people here take boating seriously and a good boat can represent a significant investment in both time and money. You probably have boat insurance on your vessel, but did you know all boat insurance is not the same and you could have gaps in your coverage that you are not aware of? Especially if you are adding your boat as an endorsement on your home or auto policy.

Let's take the example story or Barney M for instance.

Barney loved getting away from it all and he and his friends often spent time at Portage Lakes State Park, fishing and boating in the lovely and scenic waters. His old 14 foot aluminum boat was getting on in years and the 30 hp outboard motor was hard to start sometimes. In fact, last year he only got to go fishing twice and both times, problems with the engine ruined the trips. Barney decided it was time for a new 15 foot fiberglass fishing boat with a powerful 50 horsepower motor.

He wanted to pay cash for the boat and considered minimal insurance for the first year (to save money). This meant not carrying liability coverage on his boating insurance policy. However, his wife Ellen was not happy about this decision. 

The fishing season went well until one day there was an accident on a local waterway. Barney and several of his friends were out fishing late and were hurrying back to shore when Barney (who was driving) heard a crunching noise on the side of the boat. He turned to examine it and at the same time another vessel was traveling fast just around the bend and a collision occurred.

The accident resulted in several injuries and a lot of damage and because Barney was not looking ahead when it happened, he was considered the "at fault" party. As such he was responsible for $120,000 worth of injury and damage claims.

Why We're Different

You may think you want the cheapest insurance you can find, but realize you may not be getting everything you bargained for…

While most insurance products are similar in price and function, insurance providers are very different when it comes to structuring a policy that actually covers you.

There’s no such thing as a one-size-fits-all insurance policy when it comes to your business.

We’re your neighbors. We protect businesses and people we know and care about, and that means we always look for ways to protect you better, including carefully choosing the insurance companies we represent to be both affordable and responsive.

Contact us and let the professionals at our company help you forge the strongest shield possible to help you protect the things you are working hard to build.