Just Put Your Boat on Your Homeowners Policy Right?

Go ahead and put your new boat on your homeowners policy like that junior insurance agent suggested.  That person was trained to secure as much insurance business from you as possible and place with the same company, whether or not the coverage is better for you.  And besides, you save $25 for the year by placing it on the home policy…good deal right?  Guess again!

At Fortified Insurance Agency in Manchester NH, we take a different approach to placing insurance for your special toys like boats and personal watercraft.  Although our automobile and homeowners insurance companies can cover boats along with their auto/homeowners package, we feel that specialized insurance for your boat is the better route.  Here’s why:

  • Specialized coverage that allows for lake, river, and ocean navigation (ocean navigation not covered on a home policy)
  • Replacement Cost for new boats, Agreed Value coverage for boats that have a marine survey (not available on a home policy)
  • Pollution liability for fuel spills (not covered on a home policy)
  • Wreck removal (not covered on a home policy)
  • Uninsured-Boater coverage if another vessel injures your or occupants and does not have insurance (not covered on a home policy)
  • Medical Payments coverage applies to injuries sustained by water skiers/tubers pulled behind a boat (not covered on a home policy)
  • Trailer Breakdown coverage (not covered on a home policy)
  • On-water towing coverage up to $2,500 (not covered on a home policy)
  • Specialized coverage for boat equipment and fishing equipment (not covered on a home policy)
  • We can offer boat insurance for high performance boats and PWCs not acceptable to home insurance carriers.  We’ll over coverage from Progressive, Safeco, Foremost and others.
  • We are not required to insure your car or home before we can do insurance for your boat…but offer quotes for them


The agents at Fortified Insurance Agency are professionals that know how to insure your boat whether it’s a $2,500 aluminum fishing boat or a $350,000 cabin cruiser.  Call us today for a free quote and coverage analysis. 

 Keith Beausoleil, CPCU

Keith Beausoleil is an insurance agent at Fortified Insurance Agency. Fortified Insurance Agency in Manchester NH specializes in coverage for auto insurance, automobile insurance, home insurance, homeowners insurance, renters insurance, condo insurance, RV insurance, motorcycle insurance, boat insurance, personal watercraft insurance, PWC insurance, snowmobile insurance, golf cart insurance, business insurance, commercial insurance, surety bonds, rental property insurance, and more. Talk to our professional insurance agents about coverage in New Hampshire (NH) today or refer us to someone who needs an independent insurance agent.