Boat/Watercraft Insurance - MD, VA, PA, WV, DC

mader-boatYour boat - whether it's a powerboat, jet ski or some other watercraft, is an important investment – even more important when you add accessories, equipment and a trailer.  

Here at the Craig Mader Insurance Agency in Crofton, Maryland (Anne Arundel County), we can help you sort through the options and arrive at the best watercraft insurance coverage for your needs, whether you live in Maryland (MD), Virginia (VA), Delaware, (DE), Pennsylvania (PA), West Virginia (WV) or Washington, DC.

The type of boat/watercraft insurance coverage you require depends upon the size, type and value of the vessel and the water in which you use it.


Is Boat Insurance Needed for Small Watercraft?

Depending on length and horsepower, small boats, sailboats, canoes, jet skis and small power boats, may be automatically covered under homeowners, renters and condo policies.


What Does Boat/Watercraft Insurance Cover?

Larger, faster boats require a separate insurance policy, and coverages usually include the following:

  • Physical damage or loss – covers permanently attached equipment, machinery, furnishings and fittings as well as the hull.  In the event of a physical loss or damage, reimbursement depends upon which of the following types of policies you have chosen:
    • Agreed Amount Value – reimburses the previously agreed-upon (full or partial) value of your vessel.
    • Actual Cash Value – reimburses replacement cost at the time of the loss, less depreciation.
  • Property damage – covers damage to someone else’s property.
  • Bodily injury – covers injuries caused to someone else.
  • Medical payments – covers injuries to you and/or your passengers.
  • Theft of your boat or its covered elements.
  • Guest passenger liability – covers legal expenses of someone using the boat with your permission.

Liability limits, deductibles, additional coverages and discounts can vary to meet your needs.

If you are located in MD, VA, PA, WV or DC, then why not sit down with one of our capable agents who is experienced in watercraft insurance? With their help, you can learn about available discounts and coverage choices to create just the right policy for your needs.  Just contact us today here in Crofton, MD (Anne Arundel County) to discuss how we can help or get a rate quote for boat/watercraft insurance.


The scope of your insurance coverage and options depend entirely upon the policy and the insurance company providing it.  This website is not intended to advise, offer or bind coverage.  You should always discuss your insurance issues with professionals such as a licensed and qualified insurance agent like those at the Craig Mader Insurance Agency before making any decisions or choosing a course of action. 


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Office Location:
1388 Defense Highway
Gambrills, MD 21054

Mailing Address:
P.O. Box 4117
Crofton, MD 21114

Phone Numbers:
(888) 712-1403
(410) 721-2725
(301) 261-0477
(301) 261-3468 Fax

Office Hours
Monday - Thursday
8:30am - 4:30pm
8:30am - 3:45pm
Evenings By Appointment

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