The top-rated boat insurance agent in Paducah, Kentucky is Mason Denton - State Farm Insurance Agent, rated 5.0 stars across 244 reviews. Other highly rated options include Shelter Insurance - Brian Meadows, Allstate Insurance Agent: Brandon Clifton, Hibbs Insurance Agency, Inc.. This directory lists 20 boat insurance agents serving Paducah.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mason Denton - State Farm Insurance Agent | 202 Lone Oak Rd Suite 100 | (270) 908-4220 |
| 2 | Shelter Insurance - Brian Meadows | 3160 Parisa Dr #140 | (270) 443-5900 |
| 3 | Allstate Insurance Agent: Brandon Clifton | 2190 New Holt Rd Suite B | (270) 442-8234 |
| 4 | Hibbs Insurance Agency, Inc. | 3124 Lone Oak Rd | (270) 554-2105 |
| 5 | Kent Bohanon - State Farm Insurance Agent | 2520 New Holt Rd Suite F | (270) 554-5450 |
| 6 | Shelter Insurance - Tessa Brown | 3210 Lone Oak Rd | (270) 554-3731 |
| 7 | Adam Ford - State Farm Insurance Agent | 2601 Jackson St | (270) 442-1123 |
| 8 | Jim McPeake - State Farm Insurance Agent | 1401 Broadway St # 1 | (270) 554-6830 |
| 9 | Insurance of Paducah | 2517 Jackson St | (270) 442-6137 |
| 10 | Greenwell Insurance | 649 Lone Oak Rd | (270) 554-1554 |
Mason Denton - State Farm Insurance Agent serves the Paducah, Kentucky area, providing specialized boat insurance coverage. This agency helps local boat owners protect their watercraft against common risks on nearby lakes and rivers. Policies typically cover physical damage from accidents and weather events, as well as liability for injuries to others. The agency also assists with personal umbrella policies to extend additional liability protection beyond standard boat insurance limits.
Shelter Insurance - Brian Meadows serves local homeowners and property managers who require reliable coverage for boats, personal watercraft, and other recreational marine assets. The agency offers comprehensive policies that address liability, physical damage, and specialized needs common on nearby lakes and rivers. Customers receive guidance on matching deductibles and coverage limits to their vessel’s value and typical local usage conditions. In addition to serving Paducah itself, the agency also covers boat owners in the broader McCracken County area and neighboring Benton.
Allstate Insurance Agent Brandon Clifton in Paducah, KY offers a full range of boat insurance services, covering liability, hull damage, and personal property protection. Policies are customized to safeguard watercraft from inland lake and river hazards common to the area. Detailed service plans help policyholders manage routine maintenance and risk reduction for their vessels. The agency primarily serves owners of single-family homes, apartments, retail, and restaurants with matching coverage needs.
Serving Paducah, Kentucky, and the surrounding communities along the Ohio and Tennessee Rivers, Hibbs Insurance Agency, Inc. specializes in boat insurance for a variety of watercraft. The agency handles policies for personal watercraft, fishing boats, cruisers, and larger yachts used for recreation or transport in the region. To manage risk, it assesses each vessel’s type, usage patterns, and local navigational exposure when crafting coverage. This involves reviewing hull value, liability limits, and typical seasonal storage conditions to ensure a tailored policy.
At Kent Bohanon - State Farm Insurance Agent in Paducah, KY, boat insurance policies may be structured either as a single, annual term or with monthly payments that continue until canceled. Coverage typically protects against physical damage to the vessel and liability for accidents on the water. Service is provided on an as-needed basis when reviewing policy options or handling claims, with scheduled renewals offered each year.
Shelter Insurance - Tessa Brown specializes in boat insurance coverage, including options for fishing boats, pontoons, and personal watercraft. The agency also handles general insurance policies for home, auto, and life within the Paducah, KY area. Its work focuses on providing standard protection and liability coverage for inland waterways and local lakes. As seasons shift, the agency helps address specific needs related to storm damage and winter storage risks for vessels kept on nearby rivers or docks.
Paducah boat owners know the shifting currents of the Ohio River can damage hulls or motors before a season even starts. Adam Ford - State Farm Insurance Agent helps local mariners protect their investment by assessing the specific risks of insuring a vessel, whether it is moored at a marina or stored on a trailer. His agency reviews coverage needs for liability and physical damage, considering navigation limits and storm exposure. The first step involves a straightforward inspection of the boat’s condition and safety equipment to determine appropriate protection.
Jim McPeake - State Farm Insurance Agent in Paducah, KY, provides boat insurance for residential customers, covering personal watercraft and small pleasure boats used for recreation on area lakes and rivers. The agency also writes commercial boat insurance policies for fishing guides and charter services operating in the region. Service extends throughout western Kentucky and the surrounding areas. After the initial policy is issued, representatives follow up with clients before renewal periods, offering adjustments for new equipment or seasonal use that encourage repeat service between regular visits.
Insurance of Paducah handles a full range of related policies, with a specialty focus on boat insurance for local waterways. Clients can secure coverage tailored for personal watercraft and larger vessels common to this region. The agency provides standard liability protection and comprehensive physical damage options, helping owners manage risks and seasonal storage concerns. Its commercial insurance options can also serve offices, warehouses, and food service operations.
What Does a a Boat Insurance Agent in Paducah Cost?
Typical boat insurance costs in Kentucky range from 300 to 800 dollars per year for a standard runabout or fishing boat. Larger vessels or high performance boats may cost 1,000 to 3,000 dollars annually. Factors like boat value horsepower and your claims history affect the premium. This is general information not insurance advice.
About boat insurance agents in Paducah
Boat insurance agents in Paducah Kentucky help protect your watercraft on the Ohio River and nearby lakes. Kentucky law does not require boat insurance for most vessels but lenders often require it for financed boats. A local agent can guide you through liability coverage and physical damage options specific to Kentucky waterways.
Frequently Asked Questions
Is boat insurance required by law in Kentucky?
Kentucky does not require boat insurance for most recreational watercraft. However if you finance a boat the lender will typically require full coverage. Also marinas and boat clubs may require proof of liability insurance before you can dock or launch.
What does a boat insurance policy in Paducah usually cover?
A standard policy includes liability for damage to others property and medical payments for injuries. It also covers physical damage to your boat from collision theft or weather events. Some policies offer additional coverage for towing and fuel spill cleanup.
How does Kentucky law affect boat insurance claims?
Kentucky has a statute of limitations of two years for filing a lawsuit after a boating accident. The state also follows a comparative fault rule which means your compensation can be reduced if you are partly at fault. Reporting claims promptly is important to avoid delays.
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