Boat Insurance

Saving Money On Boat Insurance Has Never Been So Easy

Submit You Info For A

Comparison Review

Start Your Quote

Boat Insurance Quote

Coverage

Cote Insurance Agency can help make your time on the water relaxed and worry-free!

We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.


New York – Do you know what to look for in a watercraft insurance policy?

The Cote Insurance Agency can help you determine the right amount of coverage to meet your specific needs.

Just give us a call today at 518-587-3303 in Saratoga Springs to get started.

Start Your Quote

Boat Insurance Quote

Coverage

Quotes From These Insurance Carriers

The Cote Insurance Agency is Proud To Represent These Carriers Offering Boat Insurance Coverage 

Know Your Coverage

•Navigational Area:

Know where you are covered in the water. Some companies, such as Safeco Insurance, offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.

•Agreed Value Coverage:

Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

• Liability

Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

•Medical Payments

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

•Physical Damage Coverage

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

•Uninsured Bodily Injury

Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

•Fuel Spill Liability and Wreckage Removal

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

•Personal Effects

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment.

•Unattached Equipment Coverage

This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc

Related Posts

April 4, 2018
It’s Boating Season

It’s Boating Season Every summer, our team gets calls from customers after a fun weekend on the water takes a turn for the worse. Often, these accidents could have been prevented with just a few simple precautions. Here are a few tips we like – courtesy of our partners at Safeco. Don’t let an accident […]

Read More
April 4, 2018
Boat Pre-Season Check

Get started early to get your boat ready for summer If you love the water, few things are better than boating season.  Summer just wouldn’t be summer without spending those long, hot days on upstate New York, cooling off with a lazy dip in the water, dropping a line in hopes of catching a “big […]

Read More
July 7, 2017
Fishing Safety Tips

Create great fishing memories for your children No matter what season is winding down, the next season is just another reason to spend on the water in the boat with rod in hand. One of the best ways to enjoy boating and fishing in New York is to share the fun with others - especially your […]

Read More
April 17, 2017
How Insurance Agents Can Gain Trust

How Is Trust Earned between an Insurance Agency & Clients In today's day and age, especially in the  insurance industry it is very important to build a trusting, reliable relationship between insurance agents and their clients.  With all the competitive companies, different distribution channels and agencies out there it is a priority that the client feels comfortable knowing that […]

Read More

Why Choose an Independent Agency?

LEARN MORE

Local Agents Waiting For You

Contact Your Local Cote Agent Today
  • BRIAN WHITNEY

    SARATOGA SPRINGS

    ALYSSA LONG

    CORINTH

    CAMILE LONG

    GREENFIELD CENTER

    KARISSA BAXTER

    SOUTH GLENS FALLS

INSURANCE MADE EASY

Cote Insurance Agency provides home, auto, business, life and many other types of insurance throughout New York State including Glens Falls, Queensbury, South Glens Falls, Corinth, Greenfield Center, Wilton, Gansevoort, Saratoga Springs, Ballston Spa, Clifton Park, Schenectady, Scotia and Rotterdam. We also cover the counties of Albany, Schenectady, Saratoga, Warren, Washington and Rensselaer.
GET A QUOTE!

OUR LOCATIONS

envelope-oarrow-leftcheckmark-circle
Cote Insurance Logo
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram