Auto Insurance  > Boat Insurance

Set Sail With Confidence

Your boat is your escape. With Troy T. Johnson Insurance, ensure every journey is protected with coverage that lets you navigate with peace of mind.
Comprehensive Hull Protection
We offer extensive coverage for your boat against a variety of risks.

Whether your boat is damaged while docked, in transit, or out at sea, this coverage ensures that repairs or replacements can be handled efficiently.
Liability Coverage
This coverage handles legal defense costs, medical bills, and any, should an accident occur.

It allows you to navigate the waters confidently, knowing that you are covered in the event of an unforeseen incident.
Medical Payments
This coverage helps cover costs such as emergency medical care, hospital stays, surgeries, and rehabilitation, regardless of who is at fault.

It ensures that everyone on board receives the necessary medical attention without the burden of unexpected medical bills.
Customizable Options
Tailor your boat insurance policy with customizable options, allowing you to add coverage for fishing equipment, trailers, and additional gear.

Ensure comprehensive protection that aligns with your specific needs and enhances your overall boating experience.
Affordable Boat Insurance in gig harbor
Protect Your Boat Today
Don’t leave your maritime adventures vulnerable. Call today to explore how we can help secure your boat and provide peace of mind every journey.

How it works, getting started is easy

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Step 1
Reach Out to Us
Contact us via phone, email, or our website to schedule a free, no-obligation consultation.
Step 2
Review Your Customized Quote
Receive recommended plans tailored to your specific needs.
Step 3
Select  Your Plan
Choose the insurance solutions that best fit your requirements and enjoy peace of mind knowing you're protected.
Step 4
Ongoing Support
We offer ongoing support and proactive advice, adjusting your coverage as your circumstances evolve.
Frequently Asked Questions
Can’t find the answer you’re looking for? Reach out to our customer support team.
What types of boats can be insured through Troy T. Johnson Insurance?
We offer insurance for a wide range of boats, including sailboats, powerboats, fishing boats, yachts, and personal watercraft. Contact us to discuss your specific vessel type and coverage needs.
What does boat insurance typically cover?
Boat insurance generally covers physical damage to your boat, liability for injuries or damages to others, medical payments, and personal property on the boat. We also offer optional coverages like towing and assistance.
Is my boat covered if I take it out of state or into international waters?
Coverage areas can vary by policy. We offer options that include out-of-state and international waters coverage. Discuss your travel plans with us to ensure you have the appropriate protection.
Do I need separate insurance for my boat trailer?
Boat trailers can often be covered under your boat insurance policy, but specific terms and coverage limits can vary. We recommend discussing this with us to ensure full protection.
How is the value of my boat determined for insurance purposes?
The value of your boat can be determined by agreed value or actual cash value. Agreed value covers you for a predetermined amount, while actual cash value accounts for depreciation. We can help you choose the best option for your needs.
What factors affect the cost of boat insurance?
Several factors can influence the cost, including the type and size of the boat, your boating experience, where you sail, and the coverage limits you select. We work with you to find competitive rates tailored to your profile.
Can I get a discount on boat insurance?
Yes, discounts may be available for safety features, completing boating safety courses, bundling policies, and having a good claims history. Ask us about potential savings on your policy.
What should I do if I need to file a claim?
In the event of a claim, contact us immediately. We’ll guide you through the process, helping you document damages and facilitating communication with the insurance provider to ensure a smooth resolution.
Why choose Troy T. Johnson Insurance for my boat coverage?
As part of the Gig Harbor community, we offer personalized service, local expertise, and a commitment to understanding and meeting your unique boating needs. Trust us to provide comprehensive protection with a personal touch.
Unique situation?
We've got a custom policy.
Reach out to us, and we’ll create a personalized insurance plan that meets your specific needs and protects what matters most.
We specialize in tailoring coverage to fit your unique circumstances. Let’s collaborate to develop a one-of-a-kind policy that ensures your peace of mind and security.
Call Now → 
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