Boat & Watercraft Insurance – Smooth Sailing in PA and OH

Whether you’re fishing on Shenango River Lake, cruising with friends on Pymatuning Lake, or taking a trip to Lake Erie, your boat is part of your lifestyle—and a big investment. While Pennsylvania and Ohio don’t require boat insurance by law, marinas, lenders, or common sense often say otherwise.



At Rodgers & Co Insurance, we make sure your boat or personal watercraft is covered for damage, theft, liability, and more—so you can enjoy the water without worrying about what might go wrong.

Protect Your Boat On and Off the Water

Accidents, storms, and unexpected mishaps can happen anywhere—at the dock, in storage, or out on open water. A boat insurance policy can help pay for repairs, replace stolen equipment, and cover costs if you’re responsible for injuries or property damage.



Typical coverage includes:

  • Hull & Equipment Coverage

    Repairs or replaces your boat after collisions, storms, fire, or theft.

  • Liability Coverage

    Pays if you cause injury or property damage while operating your boat.

  • Medical Payments

    Covers injuries to you or your passengers.

  • Uninsured/Underinsured Boater

    Protection if another boater causes damage but lacks coverage.

  • Optional Add-Ons

    Towing assistance, boat trailer coverage (see auto insurance › for trailer towing liability), fishing equipment coverage, and personal effects.

Who Needs Flood Insurance?

We can help you insure:

Black check mark on a white background

Pontoon boats

Black check mark on a white background

Bass and fishing boats

Black check mark on a white background

Ski and wakeboard boats

Black check mark on a white background

Personal watercraft (jet skis, Sea-Doos, WaveRunners)

Black check mark icon on a white background

Sailboats

Black check mark on a white background

Small yachts and cabin cruisers

If it floats, there’s a good chance we can find the right policy for it.

Navigation Area & Seasonal Lay-Up

Boat policies often include navigational limits—some cover only inland lakes and rivers, while others extend to coastal waters. We’ll match your policy to where you actually boat.



For Pennsylvania and Ohio boaters, most policies also account for winter lay-up periods, when your boat is stored. This can reduce your premium and ensure coverage still applies for storage risks like fire or theft.

Discounts and Ways to Save

You may qualify for savings if you:

Black check mark on a white background

Bundle your boat policy with homeowners insurance or auto insurance

Black check mark on a white background

Complete a boating safety course

Black check mark on a white background

Keep your boat in secure storage or a locked marina

Black check mark icon on a white background

Have approved safety equipment onboard

We’ll check every possible discount to get you the best rate without cutting corners.

FAQs About Boat & Watercraft Insurance

  • Do I need boat insurance in Pennsylvania?

    It’s not legally required, but many marinas, lenders, and boat owners choose to carry it for financial protection.

  • Will my homeowners policy cover my boat?

    Some homeowners policies cover small boats with low horsepower, but larger boats and personal watercraft require a separate policy.

  • Can I insure my boat trailer?

    Yes—your boat policy can include trailer coverage, or it may be covered under your auto policy. We’ll review both options.

  • Does my policy cover me in Ohio and Pennsylvania waters?

    Yes—we’ll ensure your navigation area includes the waterways you use most.

Get a Boat Insurance Quote Before Your Next Trip

Make sure your boat is ready for the season—with the right coverage at the right price. Rodgers & Co will shop multiple carriers so you can get on the water with confidence.