Boat Insurance

Set sail with boat insurance that’s just right for you!

Your boat is one of your prized possessions, and you’ve worked hard to get it. Whether you own a sailboat, motorboat or any other watercraft, our Bauld Advisors will help you get the best marine or boat insurance coverage.

Enhance Coverages – explained

If you need an explanation, we sort through the jargon and provide you with a brief description of these common Enhanced features.

  1. Road Side Assistance, for your Boat

    Just like your car, roadside assistance can be valuable coverage for your boat or marine vehicle.  Adding this coverage will provide reimbursement for emergency-related expenses while using the vehicle.

  2. Claims Forgiveness

    With Claims Forgiveness your premium / insurance rates won’t increase after your first claim.  It functions as a “free pass” on your first policy claim.

The Bauld Process

When you engage the Bauld Team for your insurance needs, you will appreciate our advisors depth of insurance knowledge and their hands on personal approach.

Boat Insurance FAQ

  1. Can I leave my boat in the water all year round?

    Most insurers require you to remove you boat from the water by November and keep it out until the end of March. However this can vary from insurer to insurer. Some companies will allow you to keep your boat in the water as long as it has a bubbler system installed. Our Bauld Advisors will help you ensure you have the right coverages for your unique situation.

  2. What type of coverages are offered with Boat Insurance?

    Whether you own a small or really big boat, it is important that you get the right insurance coverage to protect this valuable asset.  Some coverages are similar to car insurance such as:

    • Liability
    • Collision
    • Fire
    • Theft

    Other coverages are unique to boating and can include:

    • Hull and Machinery
    • Tenders
    • Windstorms
    • Outboard motors
    • Trailers
  3. Does homeowner's insurance cover my boat?

    Some home policies will allow the addition of a boat, however, it is advised to look at insuring them separately. This way if there is a claim on your boat, it does not affect the status of the home policy such as being “claims-free”.

  4. Are there navigation limits on boat insurance?

    Most boat insurance policies are issued based on what type of water you operate in, i.e. coastal or inland. The range of use for your boat will all depend on the insurer, but typically it is only when you use your boat in coastal waters where the boundaries begin. Bauld Insurance will guide you through the coverage selection to ensure you can drive your boat on inland waters and coastal waters with minimal restrictions.

Have Fun & Be Protected

Your boat is meant to be fun – the right boat insurance will give you added peace of mind.  A Bauld Advisor can help ensure you have the best policy and coverages for you.