As any boat or personal watercraft owner knows, hitting the open water can be immensely relaxing and rewarding. But many fail to realize just how important it is to keep an appropriate amount of insurance coverage on their vessel. This is where K.S. Roth Insurance Agency can help. We understand the unique challenges of insuring a boat, jet ski, or personal watercraft. Our experienced team will help you determine what type of coverage you need for your particular type of vessel. We will also help you determine whether or not you need certain types of coverage, such as:

Physical Damage

This type of coverage applies directly to your boat, watercraft, or jet ski. It covers any damage done to your vessel while it is in storage, transport, or on the water.

Medical Payments

This type of coverage is also similar to what you would see on any auto insurance policy. It pays for medical bills for you or anyone riding in your vessel.

We Can Help

Our team is extremely skilled at finding the right carrier to suit your unique needs. We work with dozens of different boat, jet ski, and personal watercraft insurance companies to help our clients find the one that best suits their situation and price range. We can also help determine whether or not you qualify for certain discounts, including multi-policy discounts. Contact us today for more information or to receive a free quote.


This coverage is similar to what you would see on an auto insurance policy and takes care of other people and their property should you have an incident with your boat.

Watercraft Are Unique

We can also help you determine whether you need to add towing coverage, prop damage coverage, and any special endorsements for your boat, jet ski, or individual watercraft. Please keep in mind that unlike other insurances, there is no grace period for coverage on watercraft. Policies must be in place prior to possession and you should speak with your insurance agent in advance to make sure that the coverage you desire is available for your particular watercraft.

5880 S Transit Road,
Lockport, NY 14094

Monday - Friday 8:30am - 4:30pm*

*Summer Hours (Memorial Day - Labor Day) Close at 3pm on Fridays