Dean Insurance Blog

Boat Insurance



Baltimore County Boat Insurance, Harford County Yacht Insurance

Yacht and Pleasure Boat Insurance Policies generally offer protection for the watercraft, motor, trailer and miscellaneous equipment. Risks insured against may include fire and explosion, windstorm, theft, collision while afloat, collision while being transported, sinking, stranding, loss of motor overboard and contact with underwater objects.

Yacht Policy

For yacht insurance purposes we define yachts as any boat 26 feet or greater in length. Yacht coverage typically includes:

Pleasure Boat Policy

  • All-risk physical damage on an actual cash value basis
  • Unrestricted navigation and overland transportation
  • Watercraft and equipment attached to watercraft, sails (if not engaged in racing)
  • Liability Coverage, with $1,000 medical payments for passengers and owner

Optional Coverages

  • Emergency service for towing and labor
  • Higher medical payment limits
  • Increased navigation up to 20 miles in Atlantic and Gulf coastal waters ( pleasure)
  • Increased navigation up to 50 miles or trips to Bahama Islands ( yachts )
  • Trailer and tender/dingy


Boat Insurance Policy


In addition to receiving broad protection at an attractive price, you may reduce your premium up to 30% by qualifying for these credits:

• Optional deductible
• Boating Course
• Built-in fire extinguisher
• Diesel Power
• Sailboat with Auxiliary Engine
• Other Equipment, such as ship to shore radio, radar/Doppler, sniffer , electric generator, electric cooking and refrigeration devices, depth sound and radio direction finder.


Call Dean Insurance at 410.838.3700 for a quote on your individual or business insurance needs,
or click here for Dean Insurance contact you directly!

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