What protection does boat insurance offer

You have bought your boat and are getting ready to take it out to enjoy, but what about boat insurance? The state of New York does not require you have boat insurance to register your boat, but that does not mean having it is not a good idea. With more than 7600 lakes and 70,000 miles of river, you will have lots of places to enjoy your boat, but it also means there are many places and ways you can run into difficulties. At Windgate Insurance Agency, Inc. in New Windsor, NY, we are a family-owned independent insurance agency. We have been helping our customers find the right insurance at the right price for almost 30 years. 

Physical damage

Boating is a great way to enjoy the great outdoors, but it is not without danger. Other boaters are potential hazards, but so are underwater rocks, docks, and buoys. All of these can cause extensive damage to your boat. Weather presents a lot of potential for damage to your boat. Boat insurance covers the boat on the water or at the marina. This is one good reason to maintain your coverage all year even when you won’t be out with your boat. 


You have invested a considerable amount of money in your boat and motor, and losing them to theft would be a catastrophic loss. Boat insurance will cover your boat and motor against theft from your mooring, dock, or marina. You need to read your policy to see what other equipment on your boat will be covered.


You need to protect yourself when you are out boating, and if you cause an accident or damage to someone else’s property, you need liability coverage. Getting sued could put your assets in danger, and that is never a good idea. 

Boat insurance protects you in many different ways. Why not give Windgate Insurance Agency, Inc. in New Windsor, NY a call or stop by our office to discuss the right coverage for you.