The top-rated boat insurance agent in Troy, New York is Mick Butler - State Farm Insurance Agent, rated 4.9 stars across 262 reviews. Other highly rated options include Kelly McGrath - State Farm Insurance Agent, Attanasio Agency, LLC, John Loughlin - State Farm Insurance Agent. This directory lists 13 boat insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mick Butler - State Farm Insurance Agent | 961 Hoosick Rd | (518) 237-6425 |
| 2 | Kelly McGrath - State Farm Insurance Agent | 233 N Greenbush Rd | (518) 272-7000 |
| 3 | Attanasio Agency, LLC | 235 Pawling Ave | (518) 266-0311 |
| 4 | John Loughlin - State Farm Insurance Agent | 160 Oakwood Ave | (518) 266-9965 |
| 5 | Freeway Insurance | 351 Broadway | (518) 520-0450 |
| 6 | Culnan Insurance Agency LLC | 16C N Greenbush Rd | (518) 326-1191 |
| 7 | Wm. J. Fagan & Sons, Inc | 15 1st St | (518) 272-3471 |
| 8 | Brundige Insurance Agency | 8 Grange Rd | (518) 279-1940 |
| 9 | Insurance Depot | 639 Pawling Ave | (518) 279-1190 |
| 10 | De Genero Insurance | 225 N Greenbush Rd | (518) 283-1164 |
Mick Butler - State Farm Insurance Agent serves the Troy, NY area and surrounding Rensselaer County. The agency provides boat insurance coverage for various watercraft, helping local boat owners protect their vessels on the nearby Hudson River and regional lakes. It offers liability protection to cover damage to other boats or injuries to others while on the water. Additionally, the agency handles comprehensive and collision insurance options for physical damage to the insured boat itself.
Kelly McGrath - State Farm Insurance Agent in Troy, NY, offers a range of boat insurance services, including coverage for liability, physical damage, and medical payments. Their service plans help clients protect vessels through comprehensive policy options and risk management support during the boating season. The company handles policy adjustments and ensures proper documentation for various watercraft types. It services properties such as single-family homes with docked boats, waterfront apartments with personal watercraft, marinas with retail facilities, and lakeside restaurants with commercial vessels.
Homeowners and business owners in Troy, NY seeking coverage for their watercraft rely on Attanasio Agency, LLC for boat insurance agent services. They arrange policies that protect a range of vessels from damage or liability on local lakes and rivers. The agency works with insurers to tailor coverage limits and deductibles based on each client’s specific maritime needs. Their service area extends throughout the Capital District, including neighboring communities such as Watervliet and Cohoes along the Hudson River.
Serving Troy and the surrounding communities across Rensselaer and Albany Counties, John Loughlin - State Farm Insurance Agent handles boat insurance policies for personal watercraft, fishing boats, and small cruisers. The agency understands the specific needs of navigating the Hudson River and local lakes, helping customers select coverage for physical damage and liability. To address a typical job, the agent reviews boat usage details and existing policies, then compares options to build a coverage plan that matches the client's boating habits.
Freeway Insurance provides comprehensive boat insurance coverage for a wide range of watercraft, including policies for liability, physical damage, and theft. Its service plans often include assistance with navigating policy claims and adjusting coverage limits as needs change. The company ensures compliance with local boating regulations and offers protection against common risks on the water. This agent services a diverse portfolio of properties, including single-family homes, apartments, retail locations, and restaurants.
Culnan Insurance Agency LLC in Troy, NY provides both one-time boat insurance policies for seasonal use and recurring annual plans for year-round coverage. Their services help safeguard watercraft against potential damages, theft, and liability claims common on local waterways. As a boat insurance agent, the agency assists clients with evaluating coverage limits to match vessel types and usage patterns. Service is arranged on an as-needed basis to accommodate individual boating schedules and protection needs.
As a boat insurance agent in Troy, NY, Wm. J. Fagan & Sons, Inc. offers specialized coverage for watercraft, including liability and physical damage policies. It works with local boat owners to tailor policies that address hull value, equipment, and towing needs. This agency helps clients assess coverage levels for fishing boats and cruisers used on the Hudson River. When seasonal storage risks arise each winter, it assists with lay-up and shore-side liability protection options.
Spring brings boaters on the Hudson River and Lake George out of storage, ready to launch for the season. Brundige Insurance Agency, based in Troy, NY, provides boat insurance agents who help local owners protect their vessels against common regional risks like sudden storm damage and collisions. They review the specific needs of each watercraft, from small fishing boats to cabin cruisers. Before a policy is issued, an agent often inspects the boat to assess its condition, hull, and safety equipment.
Insurance Depot works with boat owners in Troy, NY, to secure coverage for their watercraft. Beyond standard hull and liability policies, the agency can arrange protection for equipment, trailers, and emergency towing services. Understanding the local waterways and seasonal risks in the region, the team helps clients select appropriate deductibles and liability limits. Commercial sectors they serve include private marinas, boat storage facilities, and waterfront rental operations handling seasonal service contracts.
De Genero Insurance provides boat insurance services for residential clients in the Troy, NY area, covering personal watercraft and small pleasure boats. Commercial coverage is also available for local marinas and charter operators, with service extending throughout the surrounding region. Policies are written to address typical risks on the Hudson River and neighboring lakes. The agency maintains clear documentation for each client, facilitating straightforward follow-up and repeat service when seasonal coverage adjustments or renewals become necessary between regular boating visits.
What Does a a Boat Insurance Agent in Troy Cost?
Boat insurance costs in New York vary widely based on boat value, horsepower, and usage. A typical policy for a small fishing boat might cost 200 to 400 dollars per year. A larger cabin cruiser on the Hudson River could cost 800 to 2,500 dollars annually. Factors like your boating experience, safety equipment, and storage location also affect premiums. This is general information and not insurance advice.
About boat insurance agents in Troy
Boat insurance agents in Troy New York help protect your watercraft on the Hudson River and nearby lakes. New York state law requires liability coverage for motorized boats with more than 10 horsepower. Local agents understand the specific risks of navigating the Erie Canal and the Champlain Canal system.
Frequently Asked Questions
What types of boats need insurance in New York?
In New York, motorized boats with more than 10 horsepower must have liability insurance. This includes powerboats, personal watercraft like Jet Skis, and sailboats with auxiliary motors. Canoes and kayaks typically do not require insurance but agents recommend coverage for theft and damage.
What does a boat insurance policy in Troy typically cover?
A standard policy covers physical damage to the boat from collisions, fire, theft, and weather events. It also includes liability protection if you injure someone or damage another boat. Many policies offer additional coverage for towing, fuel spill cleanup, and personal property on board.
How do New York boating laws affect insurance requirements?
New York Navigation Law requires boat operators to carry proof of insurance for registered motorboats. The state also has a strict liability law for oil and fuel spills, which can be covered by a pollution liability endorsement. Agents can explain how these laws apply to your specific boat and cruising area.
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