Watercraft Insurance

Watercraft & Boat Insurance in Delaware, Maryland & Pennsylvania

Boating on the Chesapeake Bay, Delaware River, or Rehoboth Bay? Make sure your time on the water is protected.

At Downes Insurance, we provide boat and watercraft insurance for all types of vessels — from fishing boats to jet skis — with policies that cover theft, liability, damage, and more.

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We serve boaters across Delaware, Maryland, and Pennsylvania with affordable coverage from top-rated carriers, customized to fit your lifestyle and watercraft type.

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What Watercraft Insurance Covers

We help you insure your:

• Motorboats & Fishing Boats

• Pontoon Boats & Deck Boats

• Sailboats

• Jet Skis & Personal Watercraft (PWC)

• Canoes & Kayaks (optional coverage)

• Trailers & Boat Equipment

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Coverage options include:

• Physical Damage (collision, storms, fire, sinking, vandalism, theft)

• Liability (injuries or property damage you cause on the water)

• Medical Payments

• Towing & Emergency Assistance

• Wreck Removal

• Fuel Spill Liability

• Personal Effects & Equipment

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Serving the Mid-Atlantic’s Top Boating Regions

We insure boats docked, stored, or used throughout:

• Delaware: Rehoboth Bay, Indian River, Delaware Bay, Nanticoke River

• Maryland: Chesapeake Bay, Kent Island, Ocean City, Wye River

• Pennsylvania: Susquehanna River, Lake Wallenpaupack, Delaware River

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Whether you use your boat seasonally or year-round, we’ll help you get the right policy at the right price.

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Why Choose Downes Insurance?

• Independent Agency – We shop multiple insurance carriers for you

• Local Knowledge – Based in Milford, DE, we understand the waterways you boat on

• Discounts Available – For bundling, safety equipment, and boating course completion

• Fast, Friendly Service – Talk to a real agent, not a call center

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Get a Free Boat Insurance Quote Today

Protect your boat and your passengers. Call 302-422-8863 or click below to request a free, no-pressure quote from a local expert.

Get My Free Quote