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Sharp Insurance & Financial Services

608 Wheatley Rd
Ashland, KY 41101

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  • Kentucky Boat/Watercraft Insurance Coverage
  • Kentucky Commercial Insurance Coverage
  • Kentucky Life Insurance Coverage

Boat/Watercraft Insurance in Kentucky

At Sharp Insurance & Financial Services in Ashland, KY, we enjoy all kinds of boating and watercraft activities. Kentucky is a state with plenty of great waterways, rivers, and lakes to enjoy. No matter where you are though, there are plenty of potential hazards on the water.

Boat and Watercraft Insurance for Personal and Commercial Purposes

Our recommendation for those who wish to enjoy activities on the water is that they obtain boat/watercraft insurance. It is important to have insurance for recreational boats as well as boats used for commercial purposes. Luxury yachts and expensive houseboats need special insurance for the boat and its contents to maintained protected. Recreational activities using boats or watercraft need special insurance because regular insurance may not cover the details of activities.

Different Coverage for Time Out of the Water

Moreover, your insurance needs options when your boat or watercraft is in the water, compared to the time it is out of the water and stored. When a boat or watercraft is being used, you want to make sure you have adequate coverage for the boat or watercraft plus coverage for property damage, injuries, or accidents. When it is being stored, you may only need adequate insurance coverage for loss, theft, or damage to the boat or watercraft.

Consult with Your Agent

It is best not to incorrectly assume that you have adequate insurance coverage. Instead, consult with your insurance agent for a full, complimentary review of your existing insurance coverage to get professional recommendations and advice about policies you need to consider.

With a boat or watercraft policy, you will be sure to have coverage that is adequate for your needs and the right coverage to protect your family members.

Enjoy Your Boat or Watercraft with Confidence

The benefit of having proper coverage for boats and watercraft is that you and your family can enjoy using them with confidence, knowing that if an unexpected accident or calamity happens, you have the proper insurance coverage.

Boat and watercraft insurance is available for individuals in Kentucky who want to insure these things and more:

  • Yachts and houseboats
  • Pleasure boats
  • Fishing boats
  • Canoes
  • Kayaks
  • Rafts
  • Jet skis

Boat and watercraft insurance is also available for commercial businesses in the state of Kentucky that offer these recreational activities or rentals and for other businesses that have commercial uses of boats or watercraft, such as those using fishing boats to catch fish for sale.

Insurance for boats and watercraft are customizable but depend on what type of boat or watercraft is insured and how much time each year it is used or stored. Contact your agent at the Sharp Insurance & Financial Services in Ashland, KY to get a quote for insurance coverage for your boat(s) and watercraft. We are here to address any concerns or questions you may have about a policy.

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