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Maryland Boat Insurance

Boat Insurance Prevents Sunken Finances

Even though Maryland does not require you to have boat insurance to navigate their waters, we at Huff Insurance strongly recommend that you protect yourself with the proper boat insurance coverage before you hi the water ways.  

Boats on Chesapeake Bay, Boat Insurance, MarylandImagine after enjoying a beautiful Maryland day out on the Chesapeake Bay with your family and friends. You are on your way back to the dock at your house in Pasadena, Maryland, taking a route that you have traveled hundreds of times before. All of the sudden your boat strikes a channel marker, tearing into the side of the boat and throwing your passengers to the floor wondering what just happened, while they are hurt and dazed.

The coastguard arrives in time to prevent the sinking of the boat, but it is obvious that the boat is a total loss and several of your passengers are injured and need medical attention. This is not the time to wonder if you have the proper boat insurance plan in place to cover you boat and the injuries to your guests.

This is a true story that recently happened to one of our clients who has been boating on the Chesapeake Bay. for over 20 years So it goes to show, that even the most experienced boaters can have a momentary lapse in concentration that could result in devastating damages.

In the blink of an eye, they went from enjoying a great day on the water, to scrambling for life jackets and trying to survive. With Huff Insurance as their agent, they could be assured that they had the proper boat insurance coverage for this accident.

Most boating accidents actually happen on inland waterways or in shallow coastal waters And, believe it or not, some of them even happen on dry land!

Boating in Annapolis MD, Boat Insurance, MarylandIf you own a boat or other watercraft, you need protection not only against damage to your vessel and equipment but also for medical treatment, damage to others and their property and liabilities to passengers. It's not uncommon for boat owners to face legal suits for sums hugely more than the value of their own boats.

You also need protection against the risk of theft. Thousands of boats are stolen every year and less than half are recovered.

Huff Insurance has provided that protection for boating enthusiasts for decades. We have both the experience and expertise to create cost-effective insurance plans that take account of your particular needs and budget.

For instance:

  • We'll tell you which aspects of your boating activities are already protected under your existing home or auto insurance.
  • We can save you money by identifying discounts based on how much you can afford to pay out of your own pocket, how often you sail, and where the boat is moored or stored.
  • Our plans cover bodily injury, property damage, guest passenger liability, medical payment and theft. Liability protection ranges from $100,000 to $1,000,000 or more with the addition of an umbrella insurance policy.
  • We can arrange additional protection for trailers and other accessories.

Don’t wait until a fluke boating accident like the one described above or the theft of your boat sinks your finances. Complete our Free Boat Insurance Quote Form on this page right now. Let us take care of you today so you can rest easy with the peace of mind that your watercraft is well protected.


Main Office

Huff Insurance
8349 Ritchie Hwy
Pasadena, MD 21122
410-647-1111