Boat Insurance in West Virginia & Ohio
Protect your boat on the Ohio River and beyond.
Whether you have a bass boat for tournament fishing, a pontoon for family weekends, or a jet ski for summer fun, we will find you the right coverage at a competitive price. As an independent agency, we shop multiple carriers to get you the best deal.
Get a Free Boat Insurance Quote
Tell us about your boat and we will shop our carriers to find you the best coverage and price.
Or stop by our Point Pleasant office for a quote
Boats & Watercraft We Insure
From small fishing boats to high-performance ski boats, we can find coverage for almost any watercraft.
Fishing Boats
Bass boats, aluminum fishing boats, center consoles
Pontoon Boats
Family pontoons, tritoons, party barges
Ski & Wake Boats
Inboard ski boats, wakeboard boats, towboats
Deck Boats
Bowriders, runabouts, family cruisers
Personal Watercraft
Jet skis, WaveRunners, Sea-Doos
Jon Boats
Flat-bottom boats, duck boats, utility boats
Fishing Kayaks
Pedal kayaks, motorized kayaks, high-end fishing kayaks
What Boat Insurance Covers
A comprehensive boat insurance policy protects you, your passengers, and your investment.
Physical Damage Coverage
Hull coverage for your boat
Protects your boat against damage from collision, storms, fire, theft, vandalism, and sinking. Choose between agreed value (full insured amount) or actual cash value coverage.
Liability Coverage
Protection when you cause damage
Covers bodily injury and property damage you cause to others while operating your boat. Essential protection against lawsuits and medical expenses if someone is hurt.
Medical Payments
Coverage for you and passengers
Pays medical expenses for you and your passengers injured in a boating accident, regardless of who is at fault. Covers ambulance, hospital, and treatment costs.
Uninsured Boater
When the other boater has no insurance
Protects you if you are injured by another boater who does not have insurance or does not have enough insurance to cover your injuries and damages.
Towing & Assistance
On-water breakdown coverage
Covers the cost of on-water towing if your boat breaks down or runs out of fuel. Some policies include 24/7 dispatch services and roadside trailer assistance.
Fishing Equipment
Rods, reels, sonar, and electronics
Covers expensive fishing gear including rods, reels, tackle, fish finders, GPS units, sonar systems like Livescope and Active Target, trolling motors, and other electronics. Essential for serious anglers with thousands invested in gear.
Personal Effects
Your belongings while on the water
Covers personal items you bring on the boat including clothing, phones, cameras, coolers, and other belongings. Protection against loss, theft, or damage while you are out on the water.
Why You Need Boat Insurance
Your homeowners policy provides very limited coverage for boats—usually just $1,000 to $1,500 and only for small boats with motors under 25-50 horsepower. That is nowhere near enough to cover a real loss.
A dedicated boat insurance policy protects your investment against theft, storm damage, accidents, and liability claims. Without it, you are personally responsible for any damage or injuries your boat causes.
Common Boat Claims
- Collision with another boat or object
- Storm and wind damage
- Theft from storage or driveway
- Fire and explosion
- Passenger injury liability
Protecting Boaters Across the Region
Whether you boat on the Ohio River, local lakes, or travel to destinations across the country, our policies provide coverage wherever you go.
Frequently Asked Questions
How much does boat insurance cost?
Boat insurance costs depend on the type, value, and horsepower of your boat, where you use it, and your boating experience. Most boat owners pay between $200 and $500 per year for comprehensive coverage. High-performance boats and larger vessels typically cost more to insure.
Is boat insurance required in West Virginia?
West Virginia does not legally require boat insurance. However, if you finance your boat or keep it at a marina, your lender or marina will likely require coverage. Even without a requirement, boat insurance is strongly recommended to protect yourself from liability and financial loss.
What is agreed value vs. actual cash value?
Agreed value coverage pays you the full insured amount if your boat is totaled, with no depreciation. Actual cash value pays the current market value at the time of loss, which decreases as your boat ages. Agreed value costs slightly more but provides better protection.
Does boat insurance cover my trailer?
Most boat insurance policies include coverage for your trailer at no additional cost. This covers damage to the trailer while being towed or stored. If you have an expensive custom trailer, you may want to verify the coverage limits are adequate.
Am I covered if I boat in other states?
Yes, boat insurance typically provides coverage anywhere in the United States and Canada. Some policies also cover Mexico and the Caribbean. Let us know if you plan to boat outside the country so we can verify your coverage.
What discounts are available for boat insurance?
Common discounts include bundling with your auto or home insurance, completing a boating safety course, being claim-free, paying annually instead of monthly, and installing safety equipment. We will help you find all available discounts.
Ready to Protect Your Boat?
Get a free quote and see how affordable boat insurance can be. We will shop multiple carriers to find you the best coverage at the best price.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV