Maryland Boat Insurance Information
(also Watercraft and Jet Ski Coverages)
(also for northern Virginia & the District of Columbia)
The value of quality boat insurance often doesn't become apparent until
you really need it. Whether it's a minor dent or a more substantial
accident, it pays to have boat insurance coverage you can count on.
Let our experienced Maryland boat insurance specialist
explain the different Liability Limits, Comprehensive,
Personal Injury Protection, Collision, Medical
coverages, and deductibles that are available for you to
choose from. We offer affordable boat insurance
policies from a leader in the insurance industry.
Learn more about Maryland Boat Insurance
coverage options below!
Click on the link below to fill out a quote request form
for a Maryland Boat Insurance policy that will provide
excellent insurance coverage for your boat at an
affordable cost. Or you can speak with our Maryland
Boat Insurance agent specialist at 301-933-5500 to
discuss the insurance policy features in more detail.
We are a Silver Spring, MD full-service insurance agency offering affordable Maryland
boat insurance policy premiums to individuals and families located in the following
cities and counties: Wheaton, Silver Spring, Bethesda, Aspen Hill, White Oak,
Takoma Park, Randolph Hills, Veirs Mill, Kensington, Kemp Mill Estates, Rock Creek
Forest, Chevy Chase, Woodmont, Garrett Park, Oakmont, Calverton, Fairland,
Springbrook, Glenmont, Foxhall, Layhill, Colesville, Meadowood, Rockville, Laurel,
Gaithersburg, Good Hope, College Park, Greenbelt, Montpelier, Adelphi, Langley Park,
Berwyn Heights, Knollwood, Beltsville, Maryland City, Riverdale, Hyattsville, Chillum,
Lewisdale, University Park, New Carrollton, Landover Hills, Bladensburg, Cheverly,
Kent Village, Somerset, Chevy Chase View, Glen Mar Park, Westgate, Brookmont,
Luxmanor, Montrose, Potomac, Glen Hills, Derwood, Washington Grove, North
Potomac, Redland, Olney, Sandy Spring, Norwood Corner, Ashton, Ednor,
Spencerville, Burtonsville, Good Hope, Fulton, Savage, Bowie, Crofton, Kettering,
Forestville, District Heights, Capitol Heights, Columbia, Annapolis, Germantown,
Brinklow, Brookeville, Highland, Simpsonville, Brighton, Clarksville, Laytonsville,
Damascus, Dayton, Unity, Glenelg, West Friendship, Seneca, Dawsonville,
Poolesville, Towson, Baltimore, Montgomery County, District of Columbia, Prince
Georges County, Howard County, Anne Arundel County, and Baltimore County, MD.
We also offer boat insurance services throughout the state of Maryland and northern
Virginia, including in Arlington, Alexandria, McLean, Falls Church, Annandale, Reston,
Fairfax, Vienna, Herndon, Sterling, Leesburg, and Manassas, VA.
Maryland Boat Insurance Info
Covers damage caused to the owners boat from a collision caused by another
boat, vehicle, or other object. The deductible is the amount you choose to pay
upfront (if any) before the boat insurance policy pays. The higher the deductible
chosen the lower the collision coverage cost of the Maryland boat insurance
policy.
Covers damage caused to the insured's boat (your boat) from risks such as
theft, fire, falling objects, earthquake, flood, missiles, explosion, riot and civil
unrest. The deductible is the amount you choose to pay upfront (if any) before
the boat insurance policy pays. The higher the deductible chosen the lower
the comprehensive coverage cost of the Maryland boat insurance policy.
Maryland Boat Insurance Info
Maryland Boat Insurance Info
Injuries that you (insured) cause to someone else is covered under this part of a
boat insurance policy. The minimum liability insurance coverage available for
purchase in Maryland is 20/40 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the minimums listed below. Contact us at 301-933-5500 to discuss
what liability coverage amounts you require to meet your needs.
20/40/15 20=$20,000 - 40=$40,000 - 15=$15,000
First number = bodily injury liability maximum for one person injured in an
accident.
Second number = bodily injury liability maximum for all injuries in one
accident.
Third number = property damage liability maximum for one accident.
Damage caused by the insured (you) to someone else's property, such as
another boat or dock, is covered through property damage boat insurance
coverage. This coverage also assists in protecting you if a lawsuit arises from
an accident. The minimum required coverage amount in Maryland is $15,000.
Bodily Injury Liability
Property Damage Liability
Maryland Liability Coverage limits explanation:
Maryland Boat Insurance Info
80% of medical benefits for all reasonable expenses for necessary medical,
surgical, x-ray, dental and rehabilitative services, including prosthetic devices,
wheelchairs, crutches, slings, neck braces and splints (including necessary
travel related to medical care.)
80% of necessary remedial treatment (nursing home care or home nursing
care).

60% of disability benefits for any loss of gross income and loss of earning
capacity from inability to work because of an injury suffered in an accident.
Benefits Provided:
Maryland Boat Insurance Info
20/40 20=$20,000 - 40=$40,000
First number = uninsured boater maximum for one person
injured in an accident.
Second number = uninsured boater maximum for all injuries in
one accident.
Example of Uninsured limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver
or an at-fault driver who has no liability insurance. This is a required coverage
for Boat Insurance in Maryland. Contact us at 301-933-5500 to discuss what
uninsured coverage amounts you require to meet your family or personal
needs.
Maryland does not require no fault coverage coverage. This coverage pays
medical bills for injuries suffered in a boat accident regardless of who caused
the accident.
**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Personal Insurance
Boat Insurance
Brown Insurance Group
12118 Heritage Park Circle
Silver Spring, Maryland 20906
Montgomery County, MD
(301) 933-5500
Fax: (301) 933-6955

Answer a few questions and
we will provide you with an
insurance quote by phone or
email. Choose the Maryland
personal or business insurance
coverage you're interested in
from the menu above.
Brown Insurance Group, Inc.
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Boat Insurance Policy Questions

Are boat insurance rates higher for new boat owners?

Boating experience is one of the factors incorporated into boat insurance rating. If you have little or no prior
boating experience, it's understandably difficult for an insurance carrier to judge your ability to operate a boat
safely. Therefore, first time boat owners can expect to pay more for boat insurance than an experienced
boater. Completing a boat safety course as a first time owner will demonstrate both a willingness and ability to
operate your boat safely and that can help to reduce rates.

Is there a difference between boat and yacht insurance?

A boat is usually classified as being 26 feet long or smaller, and a yacht is 27 feet and larger. As a longer
vessel, yachts often have larger navigational ranges, encounter a larger variety of hazards, so yacht insurance
tends to be more detailed and expensive than a smaller boat insurance policy.
Boat Insurance Considerations

Hull coverage protects the value of your boat or yacht. There are three primary types of coverage.

Replacement Cost
Under this policy type your totally destroyed 2008 model year boat will be replaced by the insurance company
with the same year and model boat in like condition or you will be given sufficient money to buy that same
year and model in like condition.

Agreed Value Contract
You are paid the boat insurance policy amount limit.

Actual Cash Value
The insurance carrier pays you the depreciated value of the boat.

If your boat sinks in a navigable waterway, you will be required to raise the boat and move it at your own cost
if you have not included this coverage in your boat insurance policy. This can be a large expense so you
should consider the options when setting up your boat insurance policy parameters.

It's also important to remember that your Maryland boat insurance will be voided if you travel outside the
specific navigation area that your boat or yacht is insured for. This is normally a warranty / guarantee on
most boat insurance policies. Study your policy closely.
Click on the link below to fill out a quote request form for a Maryland Boat Insurance policy that will provide
excellent insurance coverage for your boat at an affordable cost. Or you can speak with our Maryland Boat
Insurance agent specialist at 301-933-5500 to discuss the insurance policy features in more detail.