Boat Insurance: Optional Coverages Part One

Note: Boat insurance varies with each carrier. Engarde Financial Group has working relationships with multiple insurance carriers and will work with you to find the insurance carrier that is the best fit for you. 

Boat insurance offers both standard coverage and optional coverage. Listed below are some of the optional coverages that can be added to your boat insurance policy.   

Spending time on your boat should be enjoyable and relaxing. That is why we are here for you to provide the coverage you need to allow you to keep your mind on Recreation and leisure, while we handle the rest. 

No one wants to think about losing something they love. We think it is safe to say, you love your boat and the many memories you have created spending time on it. But, we all know, sometimes unfortunate things happen. That is where total lost replacement comes into the picture.

  • Total loss replacement covers your boat if you are the original owner and if your boat and if you have had your boat for a specified amount of time.

Do you spend your weekends fishing with your family? Chances are, you store your fishing gear on your boat for easy accessibility. We also know, you and your friends or family carry cell phones to be able to capture your special moments. Adding fishing equipment/carry-on items coverage to your policy will cover the cost of these items if they are lost or stolen.  

  • Fishing Equipment/Carry-on items covers your fishing equipment and/or carry-on items up to a specified dollar amount if they are lost or stolen. 

Lastly, sometimes people make bad choices that affect others. It is our hope that these events never occur to you, however, take advantage of the coverage you need that can protect you in the event of vandalism or theft involving your boat. Maybe a natural disaster takes place where you live, or you are in an accident. Comprehensive and collision coverage covers situations mentioned and other incidents. 

  • Comprehensive and Collision covers events such as certain natural disasters, vandalism, etc. up to a certain dollar amount.  

Obtaining boat insurance ensures peace of mind while enjoying one of your favorite past times, boating. Contact Engarde Financial Group at 412-533-2373 to discuss boat insurance today. 


Engarde Financial Group is positioned to educate and serve its clients with other insurance coverages.

We understand that your personal items that you possess are of significance to you. Here at EFG we look at every situation differently. When it comes to your needs there is no such thing as one size fits all. Speak to a insurance professional today so that we can design a policy to cover all the things you love.

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