Whether you have a small boat that you take out on a lake or a watercraft you take out on the ocean Lydon & Murphy Insurance can build an insurance package that fits your needs. We take the time to understand how and where you use the boat. If you take a boat on long trips up the east coast you will need a different policy than an individual who takes their boat to the same lake every weekend.

Property coverage

Covers the damage to your boat if you’re involved in an accident with another boat or something else, like a pier, buoy, dock or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire or vandalism.

Watercraft liability coverage

If there’s an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person’s boat or property.

Watercraft medical payments coverage

Helps pay medical costs if you or anyone on your boat is injured in an accident

Emergency services

If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.

Uninsured watercraft coverage

If you’re in an accident with an uninsured boater, this helps pay for injuries that you, your family or anyone else on your boat sustains.

Agreed value option

There is an agreed price that the boat is valued at and in the event of a total loss you will receive that payment minus the deductible.

Personal effect coverage

Covers your fishing equipment and other personal belongings if they’re damaged, lost or stolen.

Additional boat equipment

Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.

Boat trailer coverage

Covers damages to your trailer resulting from a collision or any other accident.

If you are interested in Watercraft Insurance or have any questions please contact us and we will be happy to help!