Boat and Watercraft Insurance

Serving New Jersey

Don’t wait and find out too late that your boat or watercraft is not covered under your homeowners insurance! Sharer and Associates wants to make sure that you are protected, covered and safe, so call us today and ask for a free quote or to find out more information about coverage options!

What you need to know about boat/watercraft insurance

Boat/watercraft insurance coverage options

Boating safety tips

Boat/watercraft insurance discounts & savings

At Sharer & Associates, we provide quality, affordable insurance to the residents of Millstone Township, Monroe Township, Manalapan, Freehold, East Windsor, Hightstown, Jackson, Hamilton, West Windsor, Princeton, and all of Central NJ.

What you need to know about boat/watercraft insurance:

Below is a list of questions you need to ask yourself to determine if you need boat or watercraft insurance:

Am I protected if an accident occurs while my boat is on land?
Is my boat or watercraft covered for use year-round?
How much can I afford to pay if my boat or personal watercraft is in an accident, damaged or stolen?
Who will cover the medical costs if I am injured in an accident?
Who will cover the medical costs of my passengers if they are injured in an accident?
What happens if I have an accident and gas or oil leaks into the water? Can I afford to cover oil spills?

If you cannot answer even one of these questions, it is important that you give Sharer & Associates a call at 732-446-4919 or submit a free boat insurance quote request today!

<< back to top

Boat/watercraft insurance coverage options:

Did you know that there is more than just your boat to worry about? What about your motor, anchor, trailer, and any other pertinent equipment needed to operate your boat? Let Sharer & Associates handle it by letting us tell you a little about our following coverage options:

Boat Equipment - helps protect your boat accessories such as anchors, navigation gear, and life jackets.
Fuel/Oil Liability - Be sure your liability coverage is high enough to handle any kind of fuel or oil leak. Remember your Personal Umbrella Policy (also known as Excess Liability) will not extend to the fuel/oil liability on the boat policy.
Medical Payments Coverage - this coverage helps to take care of the medical expenses that follow if you or someone in your household gets injured on a boat. It also covers you and your passengers while you’re on your boat (including water-skiers and swimmers near your boat).
Physical Property Damage - this coverage typically protects your boat, motor, and trailer all the time, whether you’re storing it, hauling it, or out on the water. If your boat or watercraft is stolen, vandalized, or damaged by wind, hail, lightning, fire, or explosion, this coverage can help, too.
Uninsured Watercraft - this optional coverage protects you if you’re involved with an uninsured boater or in a hit-and-run.
Up to $1,000 in Emergency Services - provides additional coverage for towing or emergency services on your boat or trailer.

Don’t hesitate to call us at 732-446-4919 to find out more information or send us a free quote request today!

<< back to top

Boating safety tips:

Even the most experienced boater needs to brush up on safety tips every once in a while! Sharer & Associates has compiled a few safety tips which we hope will keep you safe!

Get comfortable with federal and state regulations, and follow them. (That includes paying attention to waterway markers.)
Keep in mind that if you're driving a jet ski, you might be less visible to other boaters
Watch out for changing weather, and give yourself enough time to get to safety if needed.
However slow you need to go to avoid colliding with another boat, stick to that speed.
Scan the horizon to keep from getting tunnel vision, which could keep you from seeing another boat.
Know where you're at and where you're going.

Safe Boating in Rough Weather:

If the boat's engine dies, trail the anchor from the bow so the boat will keep heading into the waves.
If you need to, anchor the boat completely.
Have everyone on board put on their PFDs and sit in bottom of the boat near the centerline.
Slow the boat down, but don't stop completely.
If there's a safe shore nearby, head for it.
Turn on the boat's running lights.
Point the bow of boat into the waves at a 45-degree angle.
Keep the bilge pumps running.

Before you Raise Anchor:

Check the weather forecast.
Make sure you have enough PFDs for all your passengers, and check that they fit right.
File a float plan with a relative or friend.
Know your boat. Get familiar with its controls and how it handles, so you won't be surprised when you're out.
Give your boat a full check-up from bow to stern. Test the radio, lights, steering, gauges, fuel level, bilge pump, and anchor.
Make sure you've got the right safety equipment on board, that it's in good shape, and that you know how to use it.

This is just the tip of the iceberg! Make sure that you seek other reliable sources such as U.S. Coast Guard Auxiliary to learn more safety tips!

<< back to top

Boat/watercraft insurance discounts & savings:

Don’t forget to make sure you are eligible for any of the following discounts or savings:

Boat Education Discount
Diesel Engine Discount
Multi-Policy Discount (Boat + Auto)
New Boat Discount

Don’t hesitate to protect your boat and your loved ones! Call us today at 732-446-4919 or submit a free watercraft insurance quote request! We can’t wait to help you start saving!

<< back to top