Protect Your Boat, Your Adventures, and Your Peace of Mind

From fishing trips to weekend cruises, safeguard your watercraft with tailored insurance solutions

We serve families & businesses in

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Protecting your life and future
Protect What Drives You, From the Car to the People Inside.
Whether exploring, One Point Insurance has you covered.
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What We Insure: From Classic Cars to Off-Road Adventures

Car

RV

Classic Car

ATV

Four Wheeler

Snow Mobile

Cargo Van

Delivery Vehicle

Boat

Car

RV

Classic Car

ATV

Four Wheeler

Snow Mobile

Cargo Van

Delivery Vehicle

Boat

Why Boat & Watercraft Insurance Matters

Owning a boat is freedom, but it also comes with risks. Accidents on the water, sudden storms, theft, or even damage while towing can cost thousands. Without proper insurance, you’re left paying out of pocket for repairs, medical bills, or liability claims if someone gets hurt. Boat and watercraft insurance gives you peace of mind, covering your vessel, your passengers, and your financial security so you can focus on enjoying the open water.

Coverage Options

What does Snowmobile Insurance cover?

Essential protections and tailored add-ons for boaters and watercraft owners.

⚓

Liability Coverage

Covers injury and property damage you cause to others while operating your boat.

➕

Medical Payments Coverage

Helps pay medical expenses for you and your passengers, regardless of fault.

🛡️

Uninsured / Underinsured Boater

Protects you if another boater is at fault and lacks sufficient insurance.

🛥️

Physical Damage (Hull & Machinery)

Pays to repair or replace your watercraft after a covered loss.

🎒

Personal Property Coverage

Protects onboard items such as electronics, life vests, and supplies.

🆘

Towing & Assistance

Covers towing, fuel delivery, and on-water breakdown help.

🤝

Agreed Value vs. Actual Cash Value

Choose how your payout is determined after a total loss.

🆕

Total Loss Replacement

Pays for a brand-new boat if yours is totaled in a covered loss.

🚚

Trailer Coverage

Protects the trailer you use to transport your boat against covered losses.

🛻

Roadside Assistance

Helps with towing or roadside issues when transporting your boat.

🎣

Fishing Equipment Coverage

Protects rods, tackle, and other gear from theft or damage.

👕

Personal Effects Coverage

Covers personal belongings like clothing, phones, and bags on board.

🚨

Emergency Services Coverage

Helps pay for search, rescue, or emergency response costs.

🌍

Navigation Extension

Extends coverage to waters outside your standard navigation area.

❄️

Winterization & Lay-Up Coverage

Adjusts coverage while your boat is stored during the off-season.

🐾

Pet Injury Coverage

Helps with vet bills if your pet is injured in a boating accident.

Auto Insurance Coverages

Liability coverage icon

Liability Insurance

The Legal Foundation of Every Policy

Collision coverage icon

Collision Coverage

Protecting Your Own Vehicle

Comprehensive coverage icon

Comprehensive Insurance

The Unexpected Safety Net

Uninsured & Underinsured Motorist icon

Uninsured & Underinsured Motorist (UM/UIM)

Shielding You from Risky Drivers

Medical Payments / PIP icon

Medical Payments (MedPay) / PIP

Healing Without the Hassle

Roadside assistance icon

Roadside Assistance

Peace of Mind on Every Journey

Rental reimbursement icon

Rental Reimbursement

Stay Mobile After a Claim

Gap insurance icon

Gap Insurance

Covering the "In‑Between" on New Cars

OEM parts icon

OEM Parts Coverage

Original Parts for Better Repairs

Custom equipment icon

Custom Equipment Coverage

Protecting Add‑Ons and Upgrades

Why captains secure coverage before they set sail.

Liability Protection

Coverage if you’re found at fault for injuries or property damage on the water, protect your savings and your skipper status.

Weather & Nature

From sudden squalls to submerged hazards, coverage helps pay for storm, wind, and debris-related damage.

Theft & Damage

Helps cover stolen gear, vandalism, collisions, and more, so a bad day doesn’t become a budget sinkhole.

Peace of Mind

Cruise confidently knowing your passengers and investment are protected, you handle the helm; we handle the what-ifs.

Liability Insurance: The Legal Foundation of Every Policy

Collision Coverage:
Protecting Your Own Vehicle

Comprehensive Insurance: The Unexpected Safety Net

Roadside Assistance: Peace of Mind on Every Journey

Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers

Uninsured & Underinsured Motorist Coverage (UM/UIM): Shielding You from Risky Drivers

Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle

Medical Payments (MedPay) or Personal Injury Protection (PIP): Healing Without the Hassle

Gap Insurance: Covering the "In-Between" on New Cars

OEM Parts Coverage: Original Parts for Better Repairs

Custom Equipment Coverage: Protecting Add-Ons and Upgrades

Bundle and save!!

We reward loyalty with bundle discounts that make managing your insurance easier and more affordable

Boat + Auto Insurance

Protect your boat on the water and your car on the road while saving with a smart combo bundle.

Boat + Home Insurance

Bundle your boat coverage with your home policy to secure both your shoreline and your safe harbor.

Boat + Umbrella Coverage

Add extra liability protection with umbrella coverage to keep your adventures afloat with confidence.

Boat + More Bundles

Ask about bundling boat insurance with renters, motorcycle, or even health coverage for complete protection.

Ready to Start Driving Smarter?

Let OnePoint Insurance help you compare coverages, maximize your discounts, and protect your drive

Save Even More with Exclusive Discounts

Your ATV insurance shouldn’t break the bank. Here’s how you can lower your premium.

A safe driver under auto insurance

Claims Free Discount

You are rewarded for maintaining a clean boating record

Alovely american family all in insurance

Anti-theft Discount

Install alarms, GPS trackers, or locks and get rewarded with cheaper insurance

A lady student having the good student disount

Original Owner Discount

Extra savings if you're the first owner of your boat.

How it Works

Getting Covered Is Smooth Sailing

Three quick steps. No rough waters.

  1. Request a Boat Quote

    Tell us about your boat or PWC: make, length, engine, and how you use it.

  2. Customize Your Coverage

    Pick hull, motor, trailer, gear & tow liability, plus other options.

  3. Bind & Launch

    Review, bind, and get proof of insurance, then hit the water with confidence.

Start Your Boat Quote See Coverages & Discounts

Ready to Set Sail with Confidence??

Why Choose OnePoint Insurance?

Why Choose OnePoint for Your Boat Insurance?

  • Affordable Policies – Flexible plans that fit your budget.

  • Expert Agents – Local specialists who know waters and the risks that matter most to boat owners

  • Fast Claims – Quick, hassle-free support when you need it most.

Sail with confidence, insured by one point


Customize Your Coverage

Whether you're seeking basic protection or full peace of mind, we offer flexible auto insurance options built around your life

Exclusive Insurance Discounts

Safe Driver Discount

Safe Driver Discount

If you’ve had no accidents or violations in the past 3–5 years, you may qualify for a lower rate.

Learn More
Multi-Policy Discount

Multi-Policy Discount

Bundle your auto insurance with your home, renters, or life policy and save more.

Learn More
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Auto Insurance + Home Insurance

Save more when you insure both your home and vehicle through OnePoint.

Read More →

Auto + Condo Insurance

Live in a condo? Combine your condo and auto policies for extra savings.

Read More →

Auto + Renters Insurance

Protect your apartment and your car under one policy and cut your rate.

Read More →

More Bundles = More Savings

Ask about additional bundling options, including boat, personal items, and umbrella insurance.

Read More →

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OnePoint, we believe every client deserves to understand what they’re paying for. Whether you're insuring your car, protecting your home, covering your family, or planning for retirement, we're here to help you make smart, confident choices.

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Frequently Asked Question

Do I really need boat insurance if it’s not required by law?

Yes, accidents, theft, or storm damage can cost thousands. Insurance protects your wallet and your peace of mind

Will my homeowners insurance cover my boat?

In most cases, homeowners policies offer very limited coverage. A dedicated boat policy gives you full protection.

What factors affect my boat insurance premium?

Your boat type, age, usage, storage, safety features, and your boating history all play a role.

Does boat insurance cover passengers?

Yes, medical payments and liability coverage can protect your guests if they’re injured.

Can I save money by bundling my boat insurance?

Absolutely! bundling with home, auto, or renters insurance is one of the easiest ways to cut costs.

We’re here to make insurance feel simple, clear, and stress-free. At OnePoint Insurance Agency, we’ll help you find the right coverage so you can focus on living, while we protect the things that matter most.

CONTACT INFORMATION

555 NorthPoint Center E, Alpharetta, GA 30022

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Servicing Families and Business in:

GA AL AZ FL IL LA MD MI MS MO NJ NY NC OH SC TN TX VA

Copyright 2025. OnePoint Insurance Agency. All Rights Reserved.