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Atrium Insurance Group

6970 S Holly Cir #104
Centennial, CO 80112

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What Does Boat Insurance Cover?

If boating is one of your pastimes, it’s crucial to consider boat insurance. However, you might be unsure about what boat insurance covers precisely. We provide boat insurance coverage at the Atrium Insurance Group in Centennial, CO.

Property Coverage

Property coverage is essentially an investment protection for your boat. Should your boat sustain damage or total loss, this coverage will foot the bill to repair or replace it. If you have a lien on your boat, you will likely be required to have this coverage. However, even boat owners without a loan should consider it, especially if they can’t afford a replacement.

Liability Coverage

Liability coverage isn’t mandated by law in Colorado. That being said, if you intend to use a marina, they may require you to have liability coverage. It’s a sound move because liability coverage will account for the damages if your boat causes damage to somebody else’s boat or property.

Medical Payments Coverage

Should you or a passenger be injured in a boating accident, medical payment coverage will cover the expenses.

Uninsured Watercraft Coverage

We highly recommend uninsured watercraft coverage as well. If someone else is responsible for an accident that damages your boat and they do not have liability insurance to cover the cost, uninsured watercraft coverage will cover the cost of repairing or replacing your boat.

Clean Up Coverage

Certain policies will also cover the costs associated with cleaning up a fuel spill or salvaging your boat from the water. These costs can quickly escalate if your boat is totaled.

Coverage for Equipment and Accessories

You can choose optional coverage, including items like your boat trailer and fishing equipment. That way, you’re fully protected in the event of an accident or malfunction.

Boat Insurance Coverage at Atrium Insurance Group

Contact us at the Atrium Insurance Group if you need boat insurance in Centennial, CO. Our adept agents will discuss your needs and guide you in selecting the most suitable policy for your situation.

Boat Policy Add-ons to Make Sure You’re Totally Covered

Before your road trip from Centennial, CO, to a nearby or far-flung body of water for a boating excursion, have your Atrium Insurance Group agent review your boat policy with you. Your excursion might trigger the need for an add-on to your policy.

Five Most Common Boat Policy Add-ons

Boat policies offer common add-ons that enhance the protection enjoyed by the policyholder. The five most common include:

  • Scheduled or specialized coverage for expensive equipment like radar, GPS, computers
  • Salvage cost coverage to pay for the recovery of a sunken or stranded vessel
  • Consequential damage coverage to pay for major damage or total loss when a part, such as the bellows, fails
  • Towing coverage to pay for towing a disabled boat to dock
  • International cruising coverage provides liability coverage in international waters.

The typical boat policy features liability coverage and property damage coverage, but adding to it protects your watercraft investment.

Adding Other Watercraft

Your boat insurance policy can also cover other watercraft, such as your Seadoo, jet ski, etc. One policy can include many watercraft of various sizes and styles. Please list all the equipment you use with your boat and the other watercraft you own and provide it to your insurance agent. Your agent can add these items to your policy at a low premium cost.

Contact Atrium Insurance Group Today

Don’t embark on your next boating adventure without proper insurance coverage—Contact Atrium Insurance Group to schedule an insurance review and update your policy to cover your expedition fully. We’re happy to help the residents of Centennial, CO, better protect their watercraft investments, so phone us today.

Essential gear to keep on your boat

When it comes to boating here in the Centennial, CO area, having the right gear on hand is essential. From life jackets to anchors and even flares, there are certain items every boat should be equipped with in order to ensure a safe and successful day on the water. Here’s a look from us at Atrium Insurance Group at some of the most important items of boat equipment that you should always keep onboard.

Essential gear to keep on your boat

Life Jackets:

Everyone who goes out on the boat needs to wear a life jacket at all times. Make sure your boat has enough life jackets for everyone and that they are properly fitted. 


An anchor is necessary for safely docking or mooring your boat. It will keep your vessel from drifting away while out in open waters. 

Fire Extinguisher:

A fire extinguisher is an absolute must-have for any boat – it may save lives if a fire breaks out onboard. Keep one nearby in an easily accessible place. 


Flares are safety signals used in case of an emergency or distress situation. Make sure you have sufficient flares on board so that they can be used when needed. 

First Aid Kit:

A first aid kit should always be kept on board in case someone gets injured while out on the water. It’s best to include items like bandages, gauze, antiseptic cream, burn ointment, and more in this kit. 


Having binoculars onboard can help you spot objects both close by and far away in order to ensure a safer navigation experience. 

Keep Your Boat Insurance Updated

No matter where your next voyage takes you, make sure you’ve got all these essential pieces of gear readily available. For more tips and for your insurance coverage, call us at Atrium Insurance Group. We are proud to serve the Centennial, CO area.

Am I required to carry boat insurance?

Boat insurance, like auto or homeowners’ insurance, provides protection from many unforeseen situations. However, it may not be a legal requirement in many states, unlike auto and homeowners’ insurance. Our Atrium Insurance Group, serving the greater Centennial, CO community, is dedicated to helping boat owners understand what’s required as well as explore their coverage options.

What is Boat Insurance?

Boat insurance, similar to car insurance, provides liability protection as well as financial coverage for damage to your watercraft or your boat. Boat insurance can provide liability protection, property damage, and coverage for damage in the event of a boating accident. You can insure your personal watercraft, sailboat, or boat. Boat insurance will even cover theft and natural disasters.

You can get boat insurance for the actual cash value of your boat or the agreed value. If you opt to get boat insurance for the agreed value of your boat, your policy will be based on the value of your boat at the time of coverage. A cash value boat policy assesses the value of your boat at the time of an accident. Your compensation will be based on the actual value of your boat. 

Is Boat Insurance a Requirement in Colorado?

Boat insurance isn’t a legal requirement in the state of Colorado. In fact, it’s not legally required in many states. However, you may still be required to carry boat insurance if you are financing your boat. Your lender will likely require you to carry boat insurance until your boat is paid off.

Also, boat insurance may be a requirement for certain marinas to dock and use their marinas. Often, third-party boat insurance coverage is a requirement of marinas.

Contact Us Today

If you have questions about boat insurance and feel you might benefit, call us at Atrium Insurance Group in Centennial, CO. We’d be happy to answer your questions. 

Avoid These Common Watercraft Hauling Mistakes

If you have ever had the experience of picking up your boat only to find it missing a propeller or suffering other damage, likely, your hauling was not up to par. This not only impacts your boat’s appearance but also can have an impact on its performance and its value. Atrium Insurance Group knows how much Centennia, CO folks love their boats and other personal watercraft.

Let us help you avoid these common watercraft hauling mistakes:

1. Not practicing your hauling techniques.

Whether you’re a seasoned boater or a newbie, practicing your hauling is essential. The pros recommend using a large parking lot or another open area to make an obstacle course. Practice making turns of varying degrees and reversing too. Even if you’ve had experience hauling before, it’s always a good idea to brush up on your skills.

2. Not meeting state regulations.

Virtually every state has some law governing watercraft trailers. As a mandatory boat inspection state, Colorado law requires that all boats and motorized watercraft be inspected by state-certified personnel for these reasons:

  • After launching into the waters of another state, before launching into Colorado waters.
  • After leaving Colorado waters that contain invasive species.
  • At any time, an inspection is requested by state authorities.

According to the American Boating Association, trailers in Colorado cannot exceed 35 feet in length, 8 feet 6 inches in width, and be no taller than 13 feet. Trailers over 3,000 pounds must have a separate brake.

3. Not performing a safety inspection.

Before driving with a trailer, it’s essential to check the trailer for any signs of damage or wear. Make sure your connections are secure, and you are not high-balled on the hitch. When in doubt, don’t drive out.

Even when you do your best to stay safe, accidents can happen. Let Atrium Insurance Group in Centennial, CO help you protect your trailer and your investment.

Boat Insurance Coverage Options

If you are a boat owner, there are several ways you will want to protect your boat. One of the best ways to provide protection for your prized possession is through boat insurance. The agents at Atrium Insurance Group in Centennial, CO are explaining the details about boat insurance.

Is Boat Insurance Required in Colorado?

Boat insurance is not required in Colorado unless you borrowed the money you used to purchase your boat from a bank or other lender that may require you to have a policy in place. Even though it is not required, boat insurance is still an important policy to have to protect the investment you have made in your boat or other watercraft, including jet skis. There are several different types of coverage you can secure for your boat.

Liability Boat Insurance

Liability boat insurance will help pay for any medical bills that are in curd by anyone who is injured in a boating accident that is considered to be your fault. This type of coverage will also pay for any property that you cause.

Comprehensive Insurance

Comprehensive boat insurance coverage is the type of coverage did a lender may require you to have since it protects your boat if it is damaged or destroyed by a natural disaster, a fire, or vandalism. This insurance will also help you replace your boat if it is stolen.

Collision Insurance

Collision insurance will pay for damages that are caused if you collide with another boat or an object.

An experienced boat insurance agent can assist you in determining which types of boat insurance coverage you need for your situation. Contact the agents at Atrium Insurance Group in Centennial, CO today to get your policy started.

Is Boat Insurance Worth It?

Whereas boating is fun and demonstrates an admirable lifestyle, it can lead to significant losses when unpredicted perils unfold. For instance, boats can collide with each other and cause injuries to boaters or damages to the boat and goods on transit.

Under such a scenario, you’d need a caring partner to help you bear the losses, and that’s where boat insurance coverage comes in. But is boat insurance worth it? To answer your question, Atrium Insurance Group in Centennial, CO has outlined the main benefits of subscribing to boat insurance coverage.

It covers property damages

Since your boat doesn’t come cheap, you need proper insurance to compensate you in case of loss or damage to your boat. Comprehensive and collision coverages protect your boat against physical damage or loss when perils like theft, falling objects, fire, accidents, and certain natural calamities strike.

It covers physical injuries

If you or your passengers sustain boat injuries, boat insurance coverage steps in to help pay treatment and hospitalization costs. 

It covers emergency assistance and towing

Your boat can break down miles offshore, leaving you with only one option — calling an emergency towing service. Unfortunately, the costs associated with such services are usually high, and in some cases, you may not be in a position to cover them. Luckily, your boat insurance can bail you when stuck in the water. 

Liability protection

No matter how good you are at boating, you can cause an accident. As a result, you could face property damage and bodily injury claims from third parties. If this happens, you will appreciate the importance of purchasing boat insurance cover.

Boat Insurance in Colorado

Whether you own a boat for recreational or business purposes, it’s good you consider subscribing to boat insurance coverage. According to Atrium Insurance Group in Centennial, CO, doing so will let you enjoy your boating experience without worrying about potential dangers. Contact us today for an affordable quote.

What Is Boat Insurance and What Does It Cover?

Whether you have a sailboat, fishing boat, or pontoon boat, you will need special coverage for your boat as well as liability insurance. The purpose of boat insurance is to protect you as a boat owner from different challenges associated with owning a boat. It protects a boat from accidents, vandalism, theft, and breakdowns – whether a boat is at the dock, in the water, or on the trailer. Atrium Insurance Group, serving Centennial, CO, has prepared a list of things that are normally covered by boat insurance:

  • Physical damage. It insures a boat against loss and damage caused by fire, sinking, collision, and theft. In most cases, it covers such permanent components as motors, extra fuel tanks, anchors, and onboard safety equipment (fire extinguishers and flotation devices). When choosing a policy, make sure to ask an insurance agent whether you will be insured for the actual cash value or the boat’s replacement cost. 
  • Liability coverage. It applies if your boat causes injuries to other people or damages to other boats and watercraft, docks, or structures. In some cases, liability coverage also protects against lawsuits, including payment of legal fees and settlements. 
  • Other coverage. You can always ask your insurance company for additional types of coverage. It can be medical coverage to injuries to occupants with their boat insurance policies. If you have any other needs, you can always ask an insurance company if there is coverage for them or not. 

If you are a boat owner, you should understand that boat insurance is critical. It protects you as an owner, your boat, your personal belongings, and other people. If you are currently looking for a boat insurance policy and you need a trustworthy insurance company who will help you find a perfect policy, Atrium Insurance Group serving clients from Centennial, CO, and other surrounding towns, is ready to assist you. If you have any questions, do not hesitate to give us a call and talk to one of our experienced agents. 

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