Patrick McNealis Insurance and Financial Group

111 E Harrison St Suite 1,
Emmaus, PA 18049

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Boat/Watercraft Insurance in Pennsylvania

Boat and watercraft owners typically consider their watercraft to be a prized possession and want to protect the investment they make in it in every way they can. If a watercraft is used on public waters, it's often a legal requirement for the watercraft to be insured.

Before you select an insurance policy for your watercraft, you need to understand what goes along with the coverage you're getting. You can discuss Pennsylvania watercraft insurance options with us at Patrick McNealis Insurance and Financial Group.

The following are a few important things to consider:

Legal requirements

One thing to figure out is whether you're legally required to have insurance.

If you only use your watercraft on your own private pond or waterway, you don't require insurance. If you use your watercraft on public waters, you may in some cases not require insurance if your watercraft does not have a motor. Otherwise, you will most likely require insurance.

The watercraft itself

The value of your watercraft is an important consideration. You should have enough coverage to compensate you for the full value of the watercraft in the event of a total loss.

What the watercraft is used for

You might want more coverage if you use your boat for activities where injuries are a little more probable such as water skiing. You might want to look into a good third-party liability policy if your boat is used for such activities.


You may be eligible for certain discounts. One of the main discounts to investigate is whether you can get a discount for bundling your watercraft insurance with the same company that provides your home or auto insurance.

If you're a Pennsylvania boat owner interested in a quote on a watercraft insurance policy, contact us at Patrick McNealis Insurance and Financial Group to learn about our policy offerings. We offer watercraft insurance to residents of Shavertown, PA, Emmaus, PA, and Bethlehem, PA.

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