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Carpenter Insurance Group

151 Prosperous Place Suite 1A
Lexington, KY 40509

Phone : 859-202-3656
Text : 859-904-5336
Fax : 859-202-3657
Email :

Boat/Watercraft Insurance

You have just purchased a boat, jet ski, or other personal watercraft and cannot wait to hit the water but before you do, you need to make sure that you have the proper boat and watercraft insurance policy in place to protect your investment.

Boat and Watercraft Requirements in Kentucky

In the state of Kentucky, you must be at least 12 years old or older to operate any type of personal watercraft or boat legally. You, however, do not have to secure a boat or watercraft insurance policy but it's a really good idea to do it anyway.

Boat and Watercraft Insurance Coverage Options

Liability Boat Insurance

There are several boats and watercraft insurance coverage options available, including liability insurance. This type of policy will pay for the medical bills of anyone injured in an accident deemed to be your fault. It will also cover any property damage that occurs to other people’s property due to an accident. This type of coverage also extends to any injuries incurred by passengers of your boat or watercraft.

Comprehensive Insurance

Comprehensive coverage will protect your investment in your boat or watercraft if it becomes damaged or destroyed by a fire, vandalism, or a natural disaster, such as a tornado or hurricane. It will also pay to replace your boat or watercraft if it is stolen. This type of policy is very important to have if you owe on a loan that you secured to purchase your boat.

Collision Insurance

This type of coverage will pay for damages to your boat or watercraft and for those belonging to others if you are involved in an accident with another vessel. It will also provide coverage to any damage you cause to an object. For example, if you hit the dock and damage it when attempting to park your boat for the night, this part of your policy will help pay for damages to the dock.

You will need to enlist the assistance of a trusted boat and watercraft insurance agent to create the best policy for you and your situation. The insurance agents at the Carpenter Insurance Group in Kentucky are prepared to help you with all of your boat and watercraft insurance needs. Call for an appointment today!

Partner Carriers

  • AAA
  • AIG
  • Allstate
  • Auto Owners
  • Chubb
  • Encompass
  • Foremost
  • Grange
  • MetLife
  • Nationwide
  • Openly
  • Progressive
  • Safeco
  • State Auto
  • Travelers
  • Westfield Insurance