Hull & Physical Damage
Repairs or replaces the boat, motor and fixed equipment after a collision, sinking, fire, theft or storm. Ask whether it pays agreed value or actual cash value.
Boat Coverage
is Atlantic hurricane season — half the year. Many Gulf Coast boat policies pay part of the cost of hauling out ahead of a named storm; know whether yours does.
About Boat Coverage
Smooth Sailing Starts With The Right Coverage
Whether you’re cruising the lake, fishing with family, or enjoying a weekend getaway on the water, your boat is a big part of your lifestyle. Boating insurance helps you stay protected, so you can focus on fun. At Advanced Solutions, we make it easy to safeguard your time on the water.
- Repairs or replaces your boat after a collision, sinking, fire or storm
- Pays for damage you cause to other boats, docks and people
- Covers theft and vandalism — on the water, at the dock or on the trailer
- Written for pontoons, bass boats, personal watercraft, sailboats and yachts
Coverage Explained
What’s In A Boat Policy
A boat policy borrows from auto insurance and from homeowners, then adds a few lines you won’t find in either. Those are the ones worth reading closely.
Liability
Pays for injury and damage you cause to other people, their boats and their docks. Most marinas want proof of it before they’ll rent you a slip.
Uninsured Boater
Covers you and your passengers when the boater at fault has no insurance — and Mississippi doesn’t require boaters to carry any.
Medical Payments
Medical bills for you, your passengers and anyone being towed on skis or a tube, paid regardless of who was at fault.
Towing & Assistance
Towing to a safe harbor if you break down, run aground or run out of fuel — a real bill once you’re miles from the launch.
Named-Storm Haul-Out
Pays toward hauling out or moving your boat ahead of a named storm. On the Gulf Coast, it decides whether you act early or wait and hope.
Keep your boat in a slip, on a lift or on a trailer? Tell us — it changes the quote
Why Us
Why Buy It Here
The policy is only half of it. The other half is who reads it with you, who picks up when you call, and whether anyone reviews it again before the next hurricane season.
Independent, Not Captive
We don’t work for one carrier. We work for you — and we can move you when a carrier stops being the right fit.
Over 100 Markets
One conversation puts your risk in front of more than a hundred markets instead of a single company’s rate table.
We Shop, You Don’t
You give us one set of details once. We handle the comparing, the follow-up and the review at renewal.
We Know The Water
Our office is in Ocean Springs, a short drive from the harbor. Named storms, the Sound and the bayous aren’t special cases here — they’re part of every boat policy we write.
FAQ
Boat Questions We Get
The five that come up most on a first call. If yours isn’t here, call the office — you will get a plain answer, not a sales pitch.
Is boat insurance required in Mississippi?
Not by state law, but two parties often will: a lender, if the boat is financed, and many marinas, before they’ll rent you a slip. The lack of a legal requirement cuts both ways — the boater who hits you may carry nothing, which is what uninsured boater coverage is for.
Does my homeowners policy cover my boat?
Usually only barely. Many homeowners policies cover a small boat for a limited amount of damage and little or no liability, and almost none cover a boat of real size away from the house. A separate boat policy is the norm for anything with a motor worth talking about.
What’s the difference between agreed value and actual cash value?
Agreed value means you and the carrier fix the boat’s value when the policy is written, and a total loss pays that amount. Actual cash value pays what the boat was worth when it was lost, after depreciation — on an older boat, often a fraction of what replacing it costs.
What happens to my boat when a hurricane is coming?
Many Gulf Coast boat policies expect you to have a hurricane plan and act on it: haul out, move to a hurricane hole, or secure the boat as your policy specifies. Some also pay part of the cost of hauling out ahead of a named storm. Read that section before June, not the week a storm is named.
Are jet skis and personal watercraft covered?
They can be, on the same policy or a separate one. Personal watercraft carry their own risks — lending them to friends, towing riders, young operators — and some carriers price them differently, so tell us who will be riding.
Let Us Help
Ready To Get Started?
Tell us about your vessel and we’ll find coverage that keeps your time on the water carefree.
Request Your Quote