Report a Claim

Our exclusive focus on boats and yachts, backed by over a decade of specialized experience, sets us apart. We shop multiple high-quality carriers to secure competitive pricing at no extra cost. Plus, we provide educational guidance, like detailed proposals and clear explanations, to make the insurance process transparent and easy to understand.

Agreed Value: You and the insurer agree on the boat’s value when the policy is issued. In a total loss, you receive that full agreed amount, without depreciation.

Actual Cash Value: This covers the current market value at the time of loss after factoring depreciation so payout may be lower than the original price.

Filing a claim may affect your rate, especially if it reduces or eliminates any loss-free discount. Multiple claims within a short time could also result in higher premiums. Because every situation is unique, we’re here to discuss how a claim could impact your policy.

Usually not. Homeowners policies typically exclude boats. A dedicated marine insurance policy is essential to cover accidents, property damage, medical expenses, and other liabilities.

Yes. Most policies include either direct towing services at no cost or reimbursement after you pay for towing. Coverage specifics can vary, so review your policy or ask about add-ons.

Common optional coverages include:

- Mechanical breakdown coverage for engine or system failures

- Fuel-spill liability

- Uninsured boater protection

- Medical payments, personal effects, and other custom endorsements for high-value or specialized vessels

Processing time depends on complexity. Simple claims may resolve within days or weeks, while more complex cases can take longer. We guide you through every step to ensure timely resolution.

1.) Ensure everyone's safety, then seek medical help if needed.

2.) Notify local authorities or the Coast Guard if required.

3.) Take photos of damage and collect witness information.

4.) Report the incident to us via our online claim portal to begin the process.