Watercraft & Boat Insurance

Serving Baton Rouge, New Orleans and surrounding areas since 1929

Owning a boat or personal watercraft offers opportunities for adventure, relaxation and family fun. However, boating also comes with financial risks and responsibilities. At McInnis Insurance Services, Inc, our team is here to help boat owners in Baton Rouge, LA find the right watercraft and boat insurance options.

What Is Boat Insurance and What Does a Standard Policy Cover?

Boat insurance is a specialized policy designed to financially protect your watercraft, your finances and the people around you. A standard policy typically includes:

• Physical damage coverage—May help cover your hull, motor and permanently attached equipment against collisions, fire, theft and weather events
• Liability coverage—May help cover costs if you injure someone or damage another vessel
• Uninsured watercraft coverage—May help cover costs if you are involved in an incident caused by a boater who does not carry insurance
• Personal property coverage—May help cover fishing gear, electronics and other items kept on board

Coverage limits and optional add-ons vary by policy, so reviewing your options with an agent can help match coverage to how and where you boat.

How Boat Insurance Works

When a covered loss occurs, you file a claim with your insurer and pay your deductible. The insurer may then cover eligible repair or replacement costs up to your policy limits. If you caused an accident, your liability coverage responds to claims from injured parties or damaged property. Premiums are based on factors such as the type and size of your boat, how it is stored and your boating history.

Get the Coverage Your Boat Deserves

A day on the water can turn quickly. The right insurance policy can help keep an unexpected event from becoming a lasting burden. Contact McInnis Insurance Services, Inc to review your options and find a boat insurance policy built around how you use your vessel.