Boats & Personal Watercraft Insurance

Whether you spend your summers cruising the lake, fishing with family, or riding the waves on your Sea-Doo, protecting your investment is essential. At Elliott Insurance Services, we specialize in helping you find the right insurance for your boat or personal watercraft—so you can enjoy the water worry-free.

Marine Coverage That Fits Your Vessel—and Your Budget

Not all watercraft can be covered under a standard home insurance policy. In fact, many boats and personal watercraft require a separate marine insurance policy to ensure proper protection. That’s where we come in.

We work with leading marine insurance providers to offer coverage tailored to your specific type of vessel, usage, and value.

We Insure a Wide Range of Watercraft:

What Does Marine Insurance Cover?

A proper marine policy typically includes:

Physical Damage Coverage

Protects your watercraft from risks like collision, fire, theft, vandalism, and weather-related damage—both in and out of the water.

Liability Insurance

Covers you if you're responsible for injuries to others or damage to another boat or dock.

Towing and Emergency Assistance

Optional add-ons can include towing, fuel delivery, and roadside trailer coverage.

Agreed Value or Actual Cash Value

Choose how your claim is settled in the event of a loss—we’ll help you understand which option best suits your vessel’s value and use.

Benefits of Working with Elliott Insurance

Serving Maidstone and surrounding areas since 1980

Providing trusted insurance solutions with experience and dedication.

A proud part of the local business community

Committed to supporting local families, businesses, and industries.

Dedicated to personalized, friendly service

Helping you find the right coverage with expert, one-on-one guidance.

Why Work With Us?

At Elliott Insurance, we take the time to match you with the right coverage, not just the cheapest option. Whether you have a single jet ski or a fleet of fishing boats, we’ll help you navigate marine policies to ensure you’re fully protected—with no surprises.

Call us today or request a quote online to get started.

Frequently Asked Questions

Is tenant insurance required by law?

No, but many landlords now require proof of insurance before signing a lease—and even when it’s not mandatory, it’s highly recommended.

Not automatically. Each tenant typically needs their own policy unless specifically named on yours. We can help you figure out the best setup for your household.

Tenant policies often have “special limits” for certain items. We’ll walk you through optional coverage add-ons to make sure everything important to you is protected.

It depends on how much you own and your liability risk. Our team can help you estimate the value of your belongings and recommend the right level of protection.