Full Protection On and Off the Water
Boat & Watercraft Insurance Built for NY Boaters
We’ll help you understand what’s covered, where it applies, and how to protect yourself from costly mishaps—whether you’re navigating open water or parked at the marina.
Standard policies typically include:
- Liability protection for injuries or property damage
- Physical damage coverage for hull, motor, and trailer
- Theft, vandalism, and storm damage
- Fuel spill and wreckage removal liability
- Personal effects and equipment protection
- Coverage available for boats, pontoons, jet skis, sailboats & more
What You Can Expect from W.J. Farmer
Insurance That’s Smooth Sailing
We know boat insurance isn’t a one-size-fits-all policy. Whether you need seasonal storage coverage or year-round protection, we’ll tailor a plan that’s right for you.
You’ll get:
- Competitive quotes from top marine insurers
- Fast policy setup before your next launch
- Options for full-time, seasonal, or recreational use
- Discounts for boating safety courses or bundling with home insurance
- Help choosing limits based on your boat’s value and use
As a family-run agency, we take time to get to know you—and we’ll be here when you need to file a claim, add coverage, or ask a question.
Protect What Makes Boating Fun
Optional Coverage for Serious Boaters
If your boat is more than just a hobby—or carries higher value or liability—it may be worth adding one or more of these extra protections.