Licensed In MD, PA, VA, WV, DC, OH

3 Decades of Experience


(301) 790-3304

Boat Insurance

Understanding your Boat Insurance
Whether you utilize your boat for fishing, waterskiing, or simply relaxing and making some memories with family and friends, there is need to protect this remarkable investment that you have done. Boat insurance will cover you in the case of loss or destruction to your boat. It protects most watercraft with motors, such as paddle boats, yachts, leisure crafts, fishing boats, and pontoon boats. Boat insurance usually does not cover kayaks, canoes, or personal watercrafts.

How does it work?

When buying insurance for your boat, you must decide on what deductible you want for your coverage. In the event of an accident, theft, or any other loss that is included in your policy, you will only file a claim and get a settlement covering the loss.

If, for instance, you find yourself in a crash with another boat and your vessel receives serious damage, one of the below things would happen, depending on the insurance protection that you and the other person own and your state regulations.

If you were the one at fault, the liability insurance of your boat would cover the harm up to your policy limits.
If the other person were at fault, his insurance would cater for your damages, up to his/her policy limits.
If the other person was at fault, but he/she did not have coverage, or did not have adequate insurance to cover your damages, uninsured/underinsured boaters insurance would come in to cater for the costs.
What are the different types of coverage?

Your boat insurance policy includes:

Comprehensive coverage- offers compensation in case your boat is stolen, damaged, or vandalized
Collision damage- covers for a replacement or repairs to your boat. However, it may or may not cover clean-up of wreckage, but you can buy additional optional coverage.
Property damage liability- caters for the harm you might cause to another person’s dock, boat, or other structures or property.
Bodily injury liability- provides for damage you might cause another person while using your boat, including medical bills, pain and suffering, lost income, and legal fees.
Additional coverage options

You can buy extra coverage for fishing equipment, personal property, oil spills, and roadside assistance. Also, consider the uninsured/underinsured coverage that covers injuries and damages from crashes caused by underinsured or uninsured boaters.

Get a free estimate on this policy

I’ve been with the Karlen Agency for over 25 years.  They’ve always gone above and beyond with their service, claims, and advice.  Highly recommend them.


I was looking for car insurance and met with James from the Geoffrey Karlen Agency, he was well informed and extremely patient in answering my numerous questions. Everyone from the GK Agency was helpful and I highly recommend them.

Amanda B.

James helped me set up a commercial insurance policy for my business. He is very helpful and my policy is not only less expensive than my old one, but the service is much better as well. I will be re upping next year and highly recommend anyone looking for a commercial policy give him a call!

Dustin Beruta

I switched to Nationwide for my homeowner’s insurance. James was extremely through and even told me about items that I did not have on my original policy that protect me as an owner during a catastrophe. The agency’s attention to detail and customer service is AMAZING! Thanks guys!

Kristin Salgado

My Agent James Van Kirk has been amazing. I switched to Nationwide for my renters insurance. James, and this Agency, is extremely thorough. The email updates regarding policy notifications are great for me since I’m always on the run. The agency’s attention to detail and customer service is why I’ll be staying and telling all of my friends about them.

Jason Washington

Its refreshing to know that professionals like my agent James are still in our area. As someone who gets to see many operations and practices, this office always exceeds my expectations and are among my favorite local professionals to do business with.

Mike DeLoso


(301) 790-3304


(301) 698-1686


(301) 334-1040


(301) 831-0223


(240) 422-8652


(304) 258-4251


(304) 754-5601

19756 Longmeadow Rd.
Hagerstown, MD 21742

186 Thomas Johnson Dr. Ste 100
Frederick, MD 21702

12978 Garrett Hwy.
Oakland, MD 21550

602 Center St. Ste 107
Mount Airy, MD 21771

3 Hillcrest Dr. Unit A203
Frederick, MD 21703

24 Nationwide Lane,
Berkeley Springs, WV 25411

2433 Hedgesville Rd.
Martinsburg, WV 25403