About Boat Insurance
No boat is too big or too small for Bowles & Associates to save you $$ with better coverage!
In Louisiana, boating is a way of life. With over 320,000 boats registered in Louisiana, approximately one out of every fourteen residents of Louisiana owns a boat. From fishing boats to personal water craft, Louisianians love their boats!
Boat insurance is a bit of an odd duck in the insurance world. In many ways insuring a boat is similar to automobile insurance and in other ways, especially for larger boats like motor yachts, sailboats or houseboats, it’s like homeowners insurance. Homeowners insurance may not cover your boat and auto insurance certainly does not unless it’s being towed and even then there are coverage limits.
If you have a larger boat such as a yacht or sailboat or a motor boat over 26 feet, there may be navigational limits on the boat insurance policy. Also boat insurance may not apply when your boat is out of the water! It takes an insurance agency very familiar with boat insurance and Louisiana’s boating culture to sort it all out!
To learn more see TIPS below.
Bowles & Associates specializes in boat insurance!
Whether you have a boat for your own private recreational use or a commercial vessel for your business, Bowles and Associates, Inc. can help you save time and money when shopping for the best insurance coverage. Make sure that your boat and its occupants are properly insured at the lowest cost. Call Derek Bowles today for a free quote at: (504) 362-0922 or REQUEST A QUOTE ONLINE
We are an independent insurance agency located in Jefferson Parish, the number one Parish in all of Louisiana for boat ownership!!
Our location in Gretna on the West Bank of Jefferson Parish places us right in the middle of Louisiana’s boating capital and within very close proximity to lakes, bayous and the Gulf of Mexico where so many of our insurance customers spend their leisure time fishing and enjoying their boats.
Bowles and Associates offers marine insurance for every type of vessel from power boats to sailboats. As an independent insurance agency, Bowles and Associates, Inc, is positioned to shop different insurance providers for the best insurance coverage at the lowest price for your boat! As boat insurance specialists, we even provide commercial marine insurance for commercial fishing boats, tugboats, supply boats, passenger vessels and even airboat swamp tours. Learn more about Commercial Marine Insurance
Bowles and Associates, Inc. provides boat and marine insurance for recreational and commercial boats in the entire New Orleans Metropolitan area and anywhere in Louisiana. We have boat and marine insurance plans for every type and size boat including: Power Boats, Sailboats, Jet Boats, Airboats, Jet Skis (Personal Watercraft), Fishing Boats/Bass Boats, Ski Boats/Cruisers, Pontoon Boats, Motor Yachts, Houseboats, Racing Boats, Commercial Vessels
Tips about Homeowners Insurance, Auto Insurance and Your Boat
In most cases your homeowners insurance will not cover your boat. Many homeowners policies will have a minimal amount of coverage for very small boats with either no engine or a very small engine, like a small sailboat. If you own a boat worth worth $10,000 or more, your homeowners policy is not going to adequately cover your boat.
Like homeowners insurance, a boat insurance policy covers you for liability if someone is injured on your boat and gives you the choice between replacement cost or cash value in a total loss.
In most cases your auto insurance will not cover loss or damage to your boat when it is being trailered. However it will provide liability coverage should you back into somebody with the boat when it is being trailered. That liability coverage is limited to the extent of your auto policy limits.
Like auto insurance, boat insurance typically includes coverage for bodily injury that your boat inflicts on others, property damage your boat inflicts on docks or other boats, and physical damage to your boat should you hit something or run aground.
Like auto insurance, you can also purchase comprehensive coverage for your boat for protection against theft, vandalism, fire and flood, personal property coverage (for your fishing equipment), uninsured boaters insurance and even roadside assistance in the event your boat motor breaks down and you need a tow.
Keep in mind that your boat insurance policy may not cover your boat when it is out of the water. During transport, your boat may be covered solely by your auto policy, and only to the limits of your auto policy.
Also keep in mind that homeowners insurance may provide limited coverage if the boat is damaged while parked on your property, but it may not stretch to cover stolen contents or vandalism.
Boats are unique and require their own policy! The boat insurance specialists at Bowles & Associates will help you sort through the coverage you need and make sure you are getting the best possible coverage at the lowest possible cost. Whether you have a boat for your own private recreational use or a commercial vessel for your business, contact us today for a free quote.
Ready to Save Money on Boat Insurance?
Call Derek Bowles for a free quote at:
Click the button below to request a quote online!