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Toedt Insurance Agency LLC

17 Wendell Dr
Albany, NY 12205

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New York Boat/Watercraft Insurance Coverage

Boat/Watercraft Insurance in New York

Do you own a boat and reside in New York? If so, we can help you at Toedt Insurance Agency LLC obtain the necessary insurance to protect your investment. We offer various coverage options ranging from comprehensive to wreckage removal. We are located in Albany, NY.

Boat/Watercraft Insurance Requirements

Boat insurance is not legally required in the state of New York. However, if you lease or finance your boat, you may be required by your lender to obtain boat insurance. Some private marinas may also ask for proof of insurance before you are allowed to dock at their property.

Boat/Watercraft Insurance Coverage

You can choose from any of the following coverage options for your boat:

  • Property damage liability- This will cover damage expenses to another marina, dock, or boat if you are responsible for it. Additionally, it may cover legal fees related to the accident.
  • Fuel spill- This can help cover legally required cleanup costs related to spilled fuel.
  • Watersport coverage- This will cover your medical expenses related to an accident involved in sports on the water, including water skiing, etc.
  • Wreckage removal- This will cover you if your boat needs to be removed from the water if it sinks.
  • Comprehensive and Collision- Comprehensive covers repair expenses if your boat becomes damaged by fire, theft, vandalism, and more. Collision coverage will cover your repair or replacement expenses related to accidents that involve another boat or stationary objects.
  • Propulsion plus mechanical breakdown- If the lower unit of an outboard motor or the upper and lower units of an inboard/outboard motor suffers a breakdown, this will cover you.


If you are interested in learning more about boat insurance or need to obtain a quote, give us a call today. You can also visit our office in person. We are located in Albany, NY.

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Servicing States

  • New York
  • Tennessee - Call for details
  • South Carolina - Call for details


Partner Carriers

  • American Modern
  • AM Trust
  • CNA
  • Foremost
  • Hagerty
  • Lancer Insurance Company
  • Lemonade
  • Liberty Mutual
  • Main Street America
  • Midstate Mutual
  • National Benefit Life
  • National General
  • NYCM
  • Progressive Commercial
  • RLI
  • Safeco
  • Shelter Point Life Insurance Company
  • Standard Security Life
  • Utica First