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Considering Boat Insurance: What to Know with Kerry L. Adams of Fireside Insurance Agency, Inc.

By Kerry L. Adams

Tell us a little bit about your company and the services you offer.

We are an All Lines Insurance Agency in business here in Provincetown, MA. since 1985. We are family owned and operated and place our emphasis on great customer service and competitive premiums. We represent many quality carriers so you can choose the coverage you want at the most affordable price. Our business hours are from 9-5 every weekday and we always PERSONALLY answer our phones! Call us at (508) 487-9044.

Can you briefly talk about the main reasons why homeowners should consider getting boat insurance?

Boat insurance is very simple to acquire and generally quite affordable! If you only need liability coverage for your vessel, your homeowner's policy will typically provide the liability coverage for smaller sailboats of 26' or less and boats with outboard motors of 25 HP or less and Inboard/Outdrive engines of 50 HP or less. If the engine and/or boat is bigger, your policy can simply be endorsed to properly provide liability coverage only. In situations where you need to insure the boat as well as the liability, we offer policies from many of our reputable companies and can easily get you a quote in no time!

How does it differ from home or auto insurance?

Marine policies have specific language tailored for use on the water. There are many different deductible and coverage options. You may want to use your boat commercially or live aboard it. You might also have fishing poles and other personal property on the boat which needs to be covered. There are a multitude of coverages for each unique situation. Every boat is different and we treat each one precisely that way.

How do the terms "agreed value" and "market value" come into place with different policies?

"Agreed Value" is typically the amount of coverage that YOU and the insurance company agree to prior to the policy being issued. This is generally a combination of the current "book value" and market value with consideration for any "extras" or options that you may have like radar, GPS, fish finder, etc. "Market Value" is the current selling price of the boat and may be used when a boat is new. There are many options depending upon the situation when the insurable value of the vessel is being considered.

Is the boat still covered when it is out of the water?

Yes, marine policies provide coverage in and out of the water as well as while being transported to and from the water. If your boat is in your yard and a tree falls on it, or it is vandalized or otherwise damaged, it is important to know that it is covered!

What are some ways I can save money on boat insurance?

Generally, we quote each boat through more than one company to be sure you're getting the most competitive quote and to be sure you are getting the best possible coverage for your money! Looking at different deductible options can often result in lower premiums. The higher the deductible you select, the lower your premium will be. If you lay your boat up for the winter, make sure you tell us about those dates; it usually results in more credits for you! If your vessel has a recent survey, please provide it. Let us know about any extras that you have added to the boat, it could impact the final coverage amount.

What's the best way for people to contact you and your company?

Find and "LIKE" us on Facebook, just go to and find Fireside Insurance Agency INC. Contact us at (508) 487-9044 or (508) 487-9047 or fax us (508) 487-0649. You may also email us at: Our agency website is (we are currently updating the website but it is accessible at any time).

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