Watercraft & Boat Insurance in Bethpage, NY
Whether sailing across the bay or keeping your boat docked for summer weekends on Long Island, having the right insurance for your watercraft is an integral part of responsible ownership. The agents at James V. Funaro Agency help boaters in Bethpage, New York, and the surrounding areas explore policies that match how and where they use their vessel.
What Does Boat Insurance Typically Cover? 
As with other personal insurance policies, coverage will vary depending on the type of watercraft you own, how it’s used and the coverage you choose. A typical boat insurance policy may include the following coverage:
- Physical damage coverage may assist with repairs or replacement if your boat is damaged due to collisions, storms, theft or vandalism.
- Liability coverage may apply if you’re found responsible for damage to another vessel or for injuries to others during operation.
- Medical payments coverage can help with certain medical expenses for you or your passengers after a boating incident.
- Uninsured/underinsured watercraft coverage may help cover your accident-related costs if the at-fault boater lacks sufficient insurance.
- Emergency assistance may include towing or fuel delivery if you’re stranded on the water.
Optional add-ons may be available for trailers, personal effects or specialized equipment.
Who Needs Watercraft Insurance in New York?
While insurance may not always be legally required for boaters in New York, it is often necessary for marina access and storage contracts. A policy tailored to your usage can help limit financial disruption from unexpected incidents on the water.
Learn More
The James V. Funaro Agency can help you compare options and choose coverage that reflects how you navigate New York’s waters. Contact our Bethpage office today to request a boat insurance quote or speak with an agent about your watercraft coverage needs.