Boat Insurance Rochester NY

Below you'll find information about how to get the lowest boat insurance quotes in Rochester NY, info on boat insurance agents in Rochester NY, essential boating tips for proper and successful boating in New York, and a list of the best boating associations and clubs, and boat dealers.  Make sure to follow these important tips when participating in boating events or boating in general as having the correct boating insurance in Rochester NY is vital.

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For more information on boat insurance quotes in Rochester NY you can visit our youtube channel video.

Do you already own a boat or are you thinking about buying a boat?  Either way, you should consider shopping around to secure insurance for your watercraft.

Boat Insurance Quotes Rochester NY

Hundreds of Rochester boaters have already turned to InsuranceTrak for help with shopping quotes for their boat's insurance.  InsuranceTrak works with a large array of carriers who have the best rates and coverage for all types of watercrafts from paddle boats and pontoon boats to speed boats and yachts, new and old alike.  

Do you currently have insurance on your boat or watercraft?  With InsuranceTrak you can make sure you're getting the right amount and types of coverage for your boating liability, physical damage coverage, and even special types of coverage like on-water towing.

Boat Insurance Agency Rochester NY

For many years the boaters in the greater Rochester area have trusted InsuranceTrak to find them the best quotes and coverage for their personal watercraft insurance.  If you own a boat and have not talked to Rochester's premier boat insurance agency then you don't know what you're missing!  

Below are some valuable tips for boating in New York State

Many say that Rochester NY is a hub for boaters.  With its close proximity to Lake Ontario and plethora of surrounding Finger Lakes, access to water for boating is among one of the best for any city not only in New York, but in America.  In addition, Irondequoit Bay is located right in the middle of Rochester and directly connects to Lake Ontario.  There are many boat launches in and around Irondequoit Bay which gives boaters easy access to either enjoy the Bay, or venture onto Lake Ontario which spans roughly 87 miles from Rochester to Toronto.  If you own a boat then you should consider purchasing insurance for your boat through InsuranceTrak.

A large percentage of boat owners in New York State do not have the proper insurance coverage that would provide them financial protection and add to their peace of mind during this boating season. 

How much do I have to spend to protect my new asset?

Boat insurance is actually relatively inexpensive.  Do your research when purchasing your boat and you may be surprised at the amount of coverage you can get for a very affordable price.  And of course, knowing that you have insurance coverage will give you the peace of mind that will make your boating experience even more enjoyable. 

Protect your boat, protect yourself and protect your family

Just like any other vehicle, boats should be insured and that coverage is available in New York to protect you, your family and your boat against the consequences of an accident on the waterways.

In New York you can purchase a Boat Insurance Policy with replacement cost value coverage for physical damage to your boat. Boats depreciate, same as a car would depreciate but by purchasing physical damage coverage on your boat, it can be replaced with a brand-new model or at least a model of the same cost that you paid.

Not having the proper or adequate boating insurance can lead to headaches and heartaches.  Think about protecting your investment and be ready when the season starts.  As the waters become crowded, accidents happen.  Our boating season is short in many parts of New York and we sometimes overlook the fact that many boaters are anxious to get out there quickly.  We see many accidents, small and large, and many unhappy boat owners that may not have the proper insurance to protect their important assets- their boats and most importantly, their families.

Think about all those happy boaters in our lakes and rivers in the beginning of the boating season. Stretch the season as long as possible by purchasing the coverage you will need to repair your boat quickly in the case of an unfortunate mishap.  Boating insurance is your first line of financial resources after an accident.

If you are involved in a boating accident with another watercraft, it is likely that someone will get injured (did you know that more than ½ of all boating accidents result in an injury?).  Even if you are careful and feel confident on the water, there is always the possibility that the “other guy” is not so experienced and may make bad decisions, causing an accident resulting in damage to your boat and/or injury to you, your family and friends.

MIXING ALCOHOL with boating can lead to serious consequences.  Even if you are an experienced and careful boater, you know that people do throw an occasional party with alcohol drinking that can make the waterways extremely hazardous. Boating insurance can protect you and your family against those possibly serious consequences. Just because you have experience and common sense, does not mean that others are in the “same boat” as you. Beware of what the other guy can do to your vehicle.

What other options are available in NY State?

Insurance can also cover the extras on your boat; some of these options may include:

  • Depth finding gear
  • Audio equipment
  • Video equipment
  • Water Skis
  • Anchors
  • Floatation devices
  • Finding gear

What if other boaters do not have insurance and you are involved in an accident with one of them?

This maybe the most important reason to purchase boat insurance- to be covered if others are underinsured.  Uninsured Boater Coverage pays for medical treatment, wage loss and other damages you would have received from the other person’s insurance company had they had boat insurance coverage. When the other person is at fault for an accident and does not have New York boat insurance, you can file a claim under your Personal Boaters Policy for damages the “at fault” boater is legally liable to pay,  but lacks the insurance coverage.

If you will be enjoying the New York waterways using a boat this season, it is important that you consider purchasing New York Boaters Insurance.  Protect yourself, your family and friends who will be enjoying your boat with you throughout the season. 

​Rochester Boating Associations and Rochester Boat Clubs

  • Rochester Yacht Club  - The Rochester Yacht Club was founded in 1877. The club has a distinguished history of Yacht Racing and Boating and is one of the oldest yacht clubs in the United States. It is a dynamic organization of more than 800 members living in the Rochester, New York area as well as various locations around the world.
  • Rochester Offshore Powerboat Association
  • Genesee Charter Boat Association  - Considered "Lake Ontario's premier sport fishing association."
  • Rochester Community Boating Foundation  - The Rochester Community Boating Foundation is a nonprofit organization whose goal is to make the joy of sailing and boating accessible to the Rochester community regardless of income, ability or disability by providing affordable access to quality programs and events.
  • Lake Ontario Charter Boat Association  - The Lake Ontario Charter Boat Association, Inc. was founded having a single and foremost objective: To advance and promote the charter boat industry on Lake Ontario and connecting waterways.

Rochester boat dealerships and boat dealers

Need to buy a boat?  Check out these local Rochester boat dealers:

Boat Insurance Companies in Rochester NY

There are many boat insurance companies that do business in New York.  We work with a large number of boat insurance companies like NYCMMercury and Progressive to name a few.

Boat insurance is just one part of the many personal insurances that individuals need to think about.  For a general overview of all our services, you can get started by visiting our home page.  

Boat Insurance by town in Rochester

Below is a list of towns throughout the greater Rochester area in which we provide boat insurance services:


Choose your state

Search and select your state below to see specific information by state and then an overall guide to car insurance.

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