With Lake Erie in our backyard, boating is a big part of life for many Northeast Ohio families. If you own a boat, personal watercraft, or other recreational vessel, dedicated watercraft insurance is worth understanding. Coverage needs vary based on the type of vessel and how you use it.
Lambert Insurance Group has been serving Northeast Ohio's lakeshore communities since 1953, with offices in Westlake and Mayfield.
Does Homeowners Insurance Cover My Boat?
Sometimes a homeowners policy provides limited coverage for small watercraft, but the coverage is often minimal and may not extend to liability on the water or to larger or faster vessels. For most boat owners, a dedicated watercraft policy is worth discussing. Review your specific situation with a licensed agent.
What Does Boat Insurance Typically Cover?
- Physical damage to your boat, motor, and certain equipment
- Liability coverage if you're responsible for injury or property damage on the water
- Coverage considerations for trailers, accessories, and personal property aboard
Coverage varies by policy and carrier. Some policies also address towing and assistance on the water. Ask your agent what a specific policy includes.
What Affects Boat Insurance?
The type and size of the vessel, its value, horsepower, how and where it's used, your boating experience, and storage all factor into coverage and pricing. Every situation is different.
Who We Serve
We work with boaters across Avon Lake, Westlake, Bay Village, Rocky River, Sheffield, and all of Northeast Ohio's lakeshore communities. Call or text us to talk through your coverage.
Ready to Explore Your Options?
As an independent agency, we shop multiple carriers on your behalf. Call or text us and we'll get back to you promptly.