Last Updated: 04/18/2025
The Hartford Boaters Insurance
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in Boaters Insurance from The Hartford
Last Updated: 04/18/2025
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Highlights
Financial Strength Rating
A(Verified 04/18/2025)
The Hartford Boaters Insurance Review
The Hartford Boaters Insurance is an insurance carrier with headquarters in Hartford, CT. The company was established in 1984 and offers boat insurance in 50 states (and Washington, DC).
The Hartford Boaters Insurance FAQ
What types of boat insurance coverage does The Hartford Boaters Insurance offer?
Although we often talk about boat insurance in the singular, it really includes several types of coverage. The Hartford Boaters Insurance offers the following types of coverage:
- Fuel Spill Clean-Up: Protects you from cleanup claims or third-party damage caused by the accidental discharge of oil or fuel.
- Water Sports Coverage: A must for boat owners who plant to use their vessel for water skiing, wakeboarding, and other water sports
- Salvage/Wreckage Removal: Some standard insurance policies will subtract salvage costs from the insured value of the boat or only offer a small percentage of the coverage amount for salvage. This endorsement protects from the specific costs and liability that go with a wreckage or salvage.
The Hartford Boaters Insurance also provides access to the following endorsements:
- Fishing Equipment and Carry-On Items: Add replacement coverage for fishing rods, reels, and tackle boxes. You can also add personal effects coverage for items you carry on your boat, such as phones and SCUBA gear. Items are covered if they’re damaged, stolen or fall off your boat.
- Total Loss Replacement: If it's a total loss, this policy will pay you based on the agreed value, actual cash value or the replacement cost value.
- Mechanical Breakdown Coverage: If your boat is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company before you carry out repairs.
- Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.
- Transport Trailer Coverage: This covers non-motorized trailers used to tow your boat. If the trailer is damaged or causes damage, this policy will cover the costs and tow your boat.
What benefits does The Hartford Boaters Insurance offer?
The Hartford Boaters Insurance offers the following benefits to its customers:
- Digital Claims Reporting: Never fax or mail a document again.
What discounts can you ask for when applying for a policy with The Hartford Boaters Insurance?
When you ask for a quote with The Hartford Boaters Insurance, make sure you ask for all the discounts you qualify for. These are the discounts you can claim that are specific to boat insurance.
- Diesel Engines: If your boat has diesel engines, you can request a deduction, particularly from your physical damage coverage.
Want more discounts? Check the discounts tab for a full list of general policy discounts you can qualify for with The Hartford Boaters Insurance.
What is the financial strength rating of The Hartford Boaters Insurance?
The financial strength rating of an insurance company scores its ability to pay contracts and policies. Each agency has its own standards and rating scale and a company's rating can change any day. It's a good idea to check the financial rating of an insurance company before you purchase a policy. There are five main rating agencies. SuperMoney's financial strength rating is based, among other factors, on the average score of available ratings.
The Hartford Boaters Insurance scores an A or excellent, which is SuperMoney's second highest available score.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from The Hartford Boaters Insurance
Hours of Operation
Sunday
Closed
Monday
7:00AM - 11:00PM
Tuesday
7:00AM - 11:00PM
Wednesday
7:00AM - 11:00PM
Thursday
7:00AM - 11:00PM
Friday
7:00AM - 11:00PM
Saturday
8:00AM - 5:00PM