Larry Grummett Insurance is pleased to offer a wide range of policies for all your recreational marine needs.

Whether it's a PWC (personal watercraft), boat or yacht ... we have affordable coverage specifically tailored to your unique situation.

We offer insurance for your personal watercraft and small boats including: rowboat, canoe, fishing boat, pleasure boat and more.

We also represent the specialty market and are able to provide coverage for larger boats over 26 feet or with large engines above 50 hp.

Depending on your situation and usage you may want to choose a separate insurance policy for your boat, rather than adding it to your homeowner's policy. This may provide increased limits on certain marine-related risks such as salvage work, wreck removal, pollution or environmental damage. Whatever amount the boat is insured for, it should have a separate but equal amount of funds available for any salvage work. This means that you're compensated for the loss of your boat and not having to pay additional, out-of-pocket costs to have a wreck removed from a waterway.

At Larry Grummett Insurance we ensure the policy you purchase is suited to your needs so there will be no surprises. For example, bass boaters may need fishing gear and tournament coverage as well as "cruising extensions" if you trailer your boat far from home. Be sure to explain how you intend to use your boat, where it will be operated so we can find the righ policy for you.

What is the best coverage for your boat?

It is best to have what is known as an "All Risk" policy, which will provide coverage for all types of losses except those specifically excluded in the policy. Typical exclusions may include wear and tear, gradual deterioration, marring, denting, scratching, animal damage, manufacturer's defects, defects in design, and ice/freezing.

For more information about our recreational marine insurance, please contact an insurance specialist at a Larry Grummett Insurance office near you or call 1-888-361-8666.