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2373 Lawrenceville Hwy,

Decatur, GA 30033

Watercraft Insurance

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Watercraft Insurance to fit your budget and needs

Low-Cost Watercraft Insurance in Decatur, GA

What Is Decatur Boat Insurance?

Think of boat insurance in Decatur, GA like car insurance: it’s a policy that covers your vehicle – in this case, your boat, motor, trailer, and whatever personal items you keep inside. It also offers liability protection should someone be injured on or by your boat, protecting you against lawsuits and paying out medical costs. While many people think their boat is covered under their homeowner’s insurance policy, it is not. Don’t make this mistake.

Family on Boat

The wind in your hair, the sun on your face, and the open water in front of you. Sound appealing? Then you might want to join the ranks of boat owners all over the country. But before you cut through that clear blue, there are some things to keep in mind. Whether you’re buying a fishing boat, cabin cruiser, pontoon or speed boat, different components like cost, horsepower, weight capacity or onboard storage may prove to be more important to you than others.

What Does Boat Insurance Cover?

The specifics will vary by policy, and you can always take out additional riders for more specific coverage. However, the average policy will include:

Additional Boat Insurance Coverage Options

As with any insurance policy, you need your watercraft insurance in Decatur, GA to work for you. You may find that an “out-of-the-box” policy is good, but not quite tailored to your needs. Additional add-ons can help you get the perfect policy for your unique case. Options include:

Do I Really Need Boat Insurance?

Stop for a moment and ask yourself, “Why did I want to purchase a boat in the first place?” While you might have a business-related reason, if you are like most of us, it’s pretty simple: you wanted a watercraft so you could relax and have fun.

But how can you truly relax and unwind if you know you aren’t fully protected?

Even a cheap boat insurance policy offers the protection you need to let the worries go while enjoying your watercraft. As fun as rivers, lakes, and oceans are, they are also dangerous. Having the right policy lets you focus a little less on the risks and a little more on living in the moment.

Let Focus Insurance Help You

Not all insurance companies or brokers understand watercraft insurance policies, but at Focus Insurance, we do. We have access to all the policies and add-ons you need, ensuring every boat own can get coverage tailored to them. From fishing boats to yachts, we can get you covered.

Let us give you the peace of mind that makes boating all it can be. Contact our agency today to get a boat insurance quote. We offer no-obligation reviews and estimates.


Answer these questions before going boat shopping:

All boat styles have a different design tailored to the use. Speed boats may be better for tubing and water skiing but wouldn't hold as many people or be as fish accessible as a pontoon or fishing boat. Maybe you're in the market for a sailboat or leaning towards a houseboat. There are so many different varieties of boats, so make an informed decision on which one is right for you.

 This may help decide whether to purchase a pre-owned boat. New boats depreciate anywhere between 25%-33% immediately after leaving the dealer's lot. So, if you buy a pre-owned boat, someone else has already paid that depreciation cost - more boat for fewer dollars! However, buying a new boat will offer a warranty, the newest technology, and that nice shiny look as you move across the water - the choice is up to you!

The capacity on personal fishing boats is generally smaller than a pontoon boat, which are made to hold anywhere between 8-15 adults comfortably.

Here's some suggestions:

  • Trolling Motor
  • Lights
  • Depth finder
  • Live well
  • GPS
  • Canopy
  • Stereo
  • Tables
  • Emergency survival kit
  • Fire extinguisher

According to Auto Bytel, the average 21-foot boat trailer weighs between 500 and 1,000 pounds, while most boats in this size range hover in the 4,000-5,000-pound range. This means that you'll want an SUV or truck that is rated to tow between 4,500-6,000 pounds in total.

Alongside your garage? In a separate storage space?

And a few other components to consider...

  • Horsepower
  • Engine Type
  • Hull (Deep V, Modified V, Pontoon, etc.)
  • Storage Onboard

Insuring your dream boat should be at the top of your list. Homeowner’s policies have limited coverage and several exclusions, so make plans to check with our agency for a no-obligation consultation on your specific needs.

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