- tony.holliday@goosehead.com
- (719) 960-4898
- 102 S. Tejon St Suite 1128, Colorado Springs, CO 80903
A day on the water should be relaxing. Insurance is what helps keep it that way when something unexpected happens. Boat/watercraft insurance helps protect your watercraft, your passengers, and your finances if you cause an accident—or if your boat is damaged, stolen, or vandalized. At Tony Holliday Insurance, we help boat owners in Colorado Springs choose coverage that matches what they own and how they use it. For the full vehicle overview, visit Auto Insurance Hub
Boat/watercraft insurance helps protect you from liability claims and can help repair or replace your boat after covered damage or theft. Coverage depends on the type of watercraft and how it’s used.
Boat and watercraft coverage is designed for common real-life problems like:
We’ll explain what your plan includes so you know what you’re buying.
If you want extra liability protection above your base limits, see Personal Umbrella Insurance.
Boat insurance can apply to many types of watercraft, including:
If you’re not sure what category your watercraft falls into, please tell us what you own, and we’ll guide you.
Liability helps if you cause an accident and someone is injured or their property is damaged. This protects your finances and is a core part of boat coverage.
This can help repair or replace the boat after covered damage. Boats and engines can be expensive, so this is often a key choice.
This is the part that often helps cover theft, vandalism, storm damage, and other non-collision losses, subject to policy terms.
Some policies offer options that help if another boater causes damage and has little or no insurance.
Many people carry fishing gear, electronics, safety equipment, and upgrades. We can help you add coverage for items that matter. If you keep high-value items (jewelry, collectibles, specialty gear) and want stronger protection, see ( Valuable Items Jewelry Insurance
Even if you trailer to the water, risks still show up.
Storms can quickly damage hulls, tops, and equipment.
Many claims happen at low speeds—docking, launching, and loading.
Boats can be targeted when stored at home, in lots, or at marinas. Security and coverage choices matter. If you also want your tow vehicle protected, see Car Insurance
Weekend use, fishing, family trips, or performance use can affect the right coverage fit.
Storage in a garage, secured lot, or open driveway can change risk and pricing.
A higher deductible can lower premiums, but you pay more out of pocket after a claim.
Some policies have rules about where the boat can be used. If you travel out of state, please tell us so coverage fits your plans.
To avoid surprises, here are common exclusions or limits:
If your boat is used for business, rentals, or charters, please tell us so we can quote properly. In some cases, that may require a different structure (start with Commercial Auto Insurance if you’re insuring business vehicles too).
Here are smart ways people lower costs without stripping coverage:
If you want bundling, start with Home Insurance and the Auto Insurance Hub.
To start a quote, we usually need:
Please tell us what you own and how you use it.
We’ll explain liability, physical damage, and add-ons in plain English.
You pick what makes sense. We help you set it up correctly.
We help boat owners across nearby communities, including:
If you want boat insurance that’s easy to understand and fits how you use your watercraft, start here. We’ll give you clear options and help you choose with confidence.
It may not be required, but it can still protect you from liability claims and expensive damage or theft.
It can if you have the right physical damage coverage. We’ll explain what applies and how deductibles work.
Some policies can, but coverage details vary. Please tell us how you transport your boat so we can match the policy correctly. Car Insurance
Yes. Personal watercraft are commonly insured under watercraft coverage options.
Often, the same day, once we have your watercraft details and how it’s used.
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