Boat Insurance & Yacht Insurance

Cruising around the bay on the jet-ski, chasing fish in your center console, or taking a spin on the lake in your vintage Chris Craft; your personal watercraft need the right coverage. We can tailor a policy that keeps risk back on the shore.

Boat insurance covers your watercraft for liability and physical damage. In addition, you can also purchase coverage for medical payments, personal property (including fishing equipment), towing, trailer, and uninsured boater coverage.

If you have significant assets then more coverage may be desirable.

  • Agreed Value: You can cruise with the knowledge that your vessel is protected. In the event of a total loss, most carriers will pay the Agreed Value listed on your policy without a deductible, and for most smaller losses, they’ll pay for repairs without subtracting depreciation.  
  • Comprehensive Coverage: Your boat isn’t the only thing worth protecting. Personal effects, liability protection—including legal defense costs, Jones Act for paid crew, wreck removal and pollution clean-up—as well as medical payments for passengers and coverage for injuries caused by an uninsured vessel is also included.
  • Hurricane Preparation: If you live in a coastal area, our companies have knowledgeable team members who can help you prepare for hurricanes. In many cases, your policy may even cover haul-out and storage expenses to protect your boat from a named storm.

The best way to navigate the fine print of your policy is with an experienced agent who has your best interest in mind.

Watercraft We Cover

  • Sailboats
  • Power Boats
  • Yachts
  • Personal Watercraft

We’ve Got You Covered

Protect yourself against the unexpected. Rand can provide the answers and insights you want, and we can design the custom insurance solution you need.

Related Resources

Riverside / Greenwich

1100 East Putnam Avenue PO Box 900 Riverside, CT 06878

Darien / Rowayton

30 Old King’s Highway South Darien, CT 06820

New Canaan

51 Locust Avenue Suite 204 New Canaan, CT 06840


45 Sherman Street, Fairfield, CT 06824