Boat Insurance

Smooth sailing starts with the right protection.

Whether you're cruising a lake, fishing off the coast, or storing your boat for the season, you need coverage that keeps you protected. At Pennsylvania Insurance Specialists, we help boat owners across PA and Ohio find flexible, affordable insurance for all types of watercraft.

Coverage for Every Vessel and Adventure

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We offer insurance for a wide range of boats and personal watercraft—including fishing boats, sailboats, pontoons, jet skis, and more. A strong policy can include protection for physical damage, theft, liability, injuries, and towing—on the water and off.

Insurance That Moves With You

Boat ownership doesn’t end at the dock. That’s why we offer coverage for trailering, storage, and transport—plus add-ons like fuel spill liability and uninsured boater protection. Whether you're out every weekend or just a few times a season, we’ll help you get the coverage that fits how you use your boat.

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Get a Free Boat Insurance Quote

Before you hit the water, let’s make sure your boat—and everyone aboard—is protected. We’ll help you compare options from top-rated carriers.


Call (724) 238-2378 or request your quote today.

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Boat Insurance FAQs

  • Is boat insurance required in Pennsylvania or Ohio?

    It’s not legally required in either state, but many marinas, lenders, and storage facilities do require it—and it’s a smart move for any boat owner.

  • What does boat insurance typically cover?

    Policies can cover the boat itself, trailers, equipment, personal belongings, liability, and medical expenses.

  • Can I pause coverage during the off-season?

    Many policies allow for off-season adjustments or lay-up periods to help you save when the boat isn’t in use.

  • Can I bundle boat insurance with home or auto?

    Yes! Bundling often reduces your overall premiums. We’ll help you make the most of your coverage.