Boater’s Blog

Understanding what boat insurance covers is one of the most important parts of protecting your boat. This guide breaks down the essential coverages every boater should know, from hull protection to liability, towing, medical payments, and more. If you want help reviewing your current setup or getting a quote, I can walk you through it in a few minutes.

Understanding the difference between Agreed Value and Actual Cash Value is one of the most important decisions you’ll make when insuring your boat. Agreed Value gives you predictable protection with no depreciation, while Actual Cash Value lowers your premium but can reduce your payout after a loss. Choosing the right option can save you thousands during a claim. If you want help determining which one fits your boat best, I can walk you through it in just a few minutes.

Every time my family heads out on our boat, our Goldendoodle, Cooper, is the first one ready to go. Just this past weekend at Rocky Fork Lake, he proudly sported his life jacket. But are pets covered under your boat insurance policy if they get injured? At On The Water Marine Insurance, we know pets are family. This post explores how pet coverage, ranging from $750 to $2,000, can protect your furry crew, sharing our experience to help you safeguard your pet on the water.

Don’t overlook your boat trailer’s upkeep! Recently, Eric from On The Water Marine Insurance upgraded his trailer tires and swapped burned-out tail lights for LEDs with his sons. Learn why regular maintenance; tires, brakes, lights, and more—is crucial, and why your car insurance might not cover trailer damage.

Bundling your boat insurance with your home policy might sound convenient, but when it comes to protecting your boat, there are often better choices. Learn why working with a marine insurance specialist can make all the difference in coverage, claims, and peace of mind.

Not all marine insurance is created equal. Discover what sets yacht coverage apart and why partnering with an experienced yacht insurance broker makes all the difference, especially if you're navigating hurricane zones, hiring a captain, or financing a high-value vessel.