Boat & Personal Watercraft Insurance CT


Good Deals May Contain Hidden Fees or Holes in Coverage


Kids on Boat Having Fun

Sink or Swim

The only way to enjoy your time on the water is with the peace of mind that you and your watercraft are covered should an accident occur.

Own a Boat in Connecticut?

Living in Connecticut offers residents plenty of great water spots to enjoy boating and sailing. From the expansive stretch of shoreline facing the Long Island Sound to numerous lakes and rivers, Connecticut is full of salt and freshwater areas to spend leisurely sails and recreational power boat runs. With boat insurance, you can insure against most risks that come with owning and operating a boat, its motor and the trailer used to tow it.

Whay Type of Boat Do You Own?

No matter what type of boat you own, the only way to truly enjoy your time on the water is with the peace of mind that you and your craft are covered should an accident occur. The best way to achieve this security is to purchase boat insurance that can help protect against a variety of risks that include: sinking, fire, stranding and collision.

Fishing Vessels Personal Watercraft Runabout Boats
Sailboats Yachts Jet Skis


Boat Insurance Tips for Connecticut Residents

Living in Connecticut offers residents plenty of options for enjoying the open water. The Connecticut shoreline features many harbors and docks where avid sailors and fishermen keep their vessels and if you own a boat you'll want to read on to uncover some tips about how to choose the boat insurance that is right for you. Depending on where you keep your boat and how often you use it, you'll want to get all the information you can about coverage for on the water and at the dock and here are a few areas to pay close attention to when deciding on boat insurance.

Boat Coverage

When insuring a boat or personal watercraft you have a number of options for coverage. This coverage will vary depending on the type of boat you are insuring. Some of the more popular types of watercraft that are insured include sailboats, yachts, fishing boats, powerboats, trawlers and catamarans. Boat liability insurance often includes protection for legal liability because of an accident resulting from the ownership, maintenance or use of your watercraft, including bodily injury, property damage and legal defense. You can also find coverage for salvage and wreck removal as well as medical payments coverage that will give you peace of mind when on the water.

Available Discounts

Depending on the insurance company you work with, you may be eligible for a number of discounts related to your boat insurance. Discounts for multiple policies with one insurance company, completing water safety courses, insuring more than one boat and using a boat that is powered by diesel fuel may entitle you to additional discounts on your boat insurance. It pays to inquire with your local insurance agent about what discounts are available and what you qualify for to take advantage of these savings.

Safety on the Water

Before you set sail or motor out for a day of jet skiing, it helps to know as much as possible about boating safety. Even if you grew up sailing it never hurts to take a refresher course on boat safety to learn about properly using life jackets, what to do if your boat catches fire and how to respond if your boat runs aground. When driving a car on the highway you can't predict how other drivers will react and the same is true for sailing or power boating on the water. Don't assume others will abide by the rules of navigation or that they have the same safety concerns as you do. Protect yourself and your boat with affordable boat insurance and do your best to practice safety on the water.

Any Questions?

If you have questions about the type and extent of boat insurance you need to protect yourself and your watercraft, contact a representative at Petruzelo Insurance today. They will get started on a plan that can give you peace of mind when enjoying your time on the water.


What Should You Consider?

Sailboat in Ocean

When considering insurance for your boat you will also need to factor in the accessories on the boat including anchors, oars, tools, extra fuel tanks and life preservers. The agents at Petruzelo Insurance have over 50 years experience helping boat owners in Connecticut find the coverage they need to make their sailing and boating experiences fun and safe.