Chart a Secure Course
TrueGuard provides specialized protection designed for the unique risks of the water. From hull coverage and liability to on-water towing and equipment protection, we ensure your time on the waves is worry-free.
Tailored Marine Insurance Programs
Explore our specialized boat insurance options, designed to provide total protection whether you're cruising coastal waters or storing your vessel for the winter.
Watercraft Liability
Covers bodily injury and property damage to third parties, providing essential financial security during boat operation.
Collision Protection
Repairs or replaces your vessel after a collision with another boat or submerged object, getting you back on the water fast.
Comprehensive Care
Safeguards against non-collision losses including theft, fire, vandalism, and damage from severe weather events.
Off-Season Security
Specialized insurance for lay-up periods when your boat is stored for the winter, ensuring protection year-round.
Equipment Coverage
Coverage for high-value fishing gear, navigational electronics, and specialized marine equipment on board.
Towing & Assistance
On-water emergency assistance including fuel delivery, jump-starts, and towing to the nearest repair facility.
Expertise at the Helm
With over two decades of specialized marine experience, TrueGuard Insurance navigates the complexities of boat protection so you don't have to. We represent top-tier national carriers to ensure you get the best coverage at the most competitive rates.
Complete Liability & Collision
Total protection for your vessel and comprehensive legal liability against third-party claims.
Comprehensive Property Protection
Safeguarding your hull and on-board assets from fire, theft, vandalism, and coastal storms.
Off-Season & Lay-Up Coverage
Optimized rates while your boat is stored, ensuring hull and gear stay protected during down months.
Equipment, Gear & Accessories
Extended policies for high-value fishing equipment, nav systems, and nautical accessories.
Emergency Towing & Assistance
On-water peace of mind with 24/7 recovery services and emergency fuel delivery support.
Simple Steps to Your Boat Insurance Quote
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Vessel Info
Tell us about your boat, including year, make, length, and primary usage areas.
Experience
Provide your boating history and certifications to access specialized safety discounts.
Review Quote
Complete your review with an advisor to activate your tailored insurance protection.
Owner FAQ
Where should I store my boat during the off-season?
Proper storage is essential for vessel longevity and can impact your insurance premiums. We offer coverage for dry-docking, indoor storage, and professional rack facilities. Our agents can help you identify how your choice of winter storage may reduce your annual costs.
What are navigation limits and how do they impact coverage?
Navigation limits define the approved geographic territory where your policy is active. While most policies cover large inland areas or specific coastal regions, we can easily extend these boundaries for longer voyages to ensure your hull and passengers remain protected wherever you sail.
How do lay-up periods work for seasonal boaters?
A lay-up period is a set duration (typically winter) when the vessel is officially out of commission and stored in a safe location. By committing to a lay-up period, you can take advantage of significantly lower premiums while maintaining essential protection against theft, fire, and vandalism.
Is my navigation equipment and fishing gear covered?
Absolutely. High-value marine electronics, navigation systems, and fishing equipment are vital to your experience. We offer specialized coverage for these assets to ensure they are replaced in the event of theft, loss, or accidental damage while on the water.
Ready to secure your vessel?
Ready to Set Sail?
Secure your vessel with protection tailored to your navigation limits and lay-up periods. Get expert advice and a personalized quote today.
info@trueguardinsurance.com
336-600-5005