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Boat

Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 per hour horse power under a homeowners or renters insurance policy. Coverage is usually about $1,000 or 10% of property coverage. Check with your insurance representative to find out if your boat is covered and what the limits are.
 
For other boats, you will need to purchase separate insurance. The size, type, value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
 
Personal Watercraft
 
Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to us about coverage limits. You may want to consider purchasing a personal watercraft policy to protect you and your water vehicle in the event of an accident.
 
The personal watercraft policy covers:
  • bodily injury
  • property damage
  • guest passenger liability
  • medical payments
  • theft
Liability limits start at $15,000 and can be increased to $300,000. Typical policies include deductibles of $250 for property damage, $500 for theft and $1,000 for medical payments.
 
Additional coverage can also be purchased for trailers and other accessories. Please contact us about the type of coverage that would best suit your needs.
 
Insurance coverages to consider:
  • Liability
  • Physical Damage
  • Theft
  • Medical Payments
  • Motor Coverage
  • Trailer Coverage
  • Boat Covers
  • Docking Fenders
  • Communications Devices
Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.
 

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What Our Customers Are Saying... 

Pennie Hunt
Speaker, Author -- Communicator of Life Lessons www.PennieHunt.com 
John worked with me to secure an insurance policy. He kept me informed every step of the way from the application process to having the policy in hand. He is professional, detailed and thoughtful in his work. I would recommend his services in the highest way.

Harris Cohen
chiropractor and author at Dr. Harris R, Cohen
John is an expert in his field. He is very intelligent and has great insight. 
I highly recommend John for all your insurance and retirement needs.

Jim Naples
owner EASTBAY BUILDERS INC.
John is a person who brings his knowledge and integrity of his business to any company or individual he works with. We have used John to implement insurance options in several of our businesses and were impressed with the service and creative options he brought to the table in ways to diversify and save money. I would recommend him for all financial and annuity plans especially in this economy.

Glen CarusoClick 
Entrepreneur | Premier Digital Marketing Strategist | SaaS Enterprise Executive | Educator
I don't write many recommendations for business associates on LinkedIn, yet I feel compelled to do so for John Johnson. 

I've known and worked with John for more than 20 years. Most importantly, I believe he's one of the most ethical and focused businessmen I know. 

John's approach to business is not typical. He's the type of person who seems to have an intuitive sense for not only where markets are moving, but the way it will affect people. He then applies that to how it can benefit his current and potential customers. I think that John excels because he cares about those he does business with and genuinely wants to help. He's consultative, but never preachy. He'll do what's right for his clientele -- whether it means he'll get the business or not. Simply, he cares. Most importantly, John's a decent man who's also a lot of fun to be around. He's always got a funny story and leaves you with a sense that you're in good, capable hands. 

Company

ST Licence #LA-1110114, PC-1110114

Contact Us

Balanced Financial Solutions, Inc.
PO Box 357
Shoreham, NY 11786
Phone: 877-237-3711
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