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Navigating Long Island Waters with Confidence

From Port Jefferson Harbor to the Great South Bay, we keep you afloat.

Owning a boat on Long Island is a lifestyle, but it comes with unique risks. Whether you are docking at the Port Jefferson Yacht Club, launching from a trailer in Mount Sinai, or cruising the open waters of the Sound, you need a policy that understands marine law and local waters.

Sean Worth Allstate specializes in marine insurance. We don't just add your boat to your car policy; we build a standalone marine package that protects your vessel, your passengers, and your environmental liability.

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Customized Coverage for Every Stage of Life

We specialize in:

Standard Homeowners (HO-3): Comprehensive protection for single-family homes against fire, theft, and vandalism.
High-Value & Luxury Homes: Specialized packages for homes exceeding standard rebuild limits, including coverage for custom craftsmanship and architectural details.
Coastal Property Solutions: Expert navigation of hurricane deductibles and flood insurance requirements for homes in Port Jefferson, Setauket, and Nissequogue.
Secondary & Vacation Homes: protecting your getaway property on the East End or upstate.

Agreed Value" vs. "Actual Cash Value

This is the #1 reason boaters switch to us.

Many standard policies only cover the "Actual Cash Value" of your boat, meaning they deduct depreciation if your boat is totaled.

The Allstate Difference: We offer Agreed Value coverage options. If you insure your boat for a specific value and it is a total loss, that is the check we write. No depreciation. No haggling. You get the value you paid for.

Coverage for the North Shore Lifestyle

We tailor policies for the specific vessels found in Suffolk County marinas:

Center Consoles & Fishing Boats

Landlords in Stony Brook and Port Jefferson often require proof of renters insurance before you can sign a lease. We provide instant binders to help you secure your housing.

Sailboats

Specialized coverage for rigging, sails, and auxiliary motors.

Yachts & Cruisers

High-limit liability packages for larger vessels, including paid crew coverage and dinghy/tender protection.

Personal Watercraft (PWCs)

Essential liability protection for Jet Skis and WaveRunners.

Marina Requirements & Environmental Safety

Need a Certificate of Insurance (COI) for your marina?

Most Long Island marinas (including Danfords, Port Jefferson, and Stony Brook) require strict proof of liability and pollution coverage before they will let you dock. We issue these certificates same-day so you don't miss a weekend on the water.

Fuel Spill Liability: If your boat sinks or leaks fuel into the harbor, the environmental cleanup costs can be substantial. Our policies include coverage for fuel spill remediation, keeping you compliant with federal and state laws.

Wreck Removal: If a storm sinks your boat, you are legally required to remove the wreckage. This is an expensive operation that standard "add-on" policies often miss.

Common Questions About NY Boat Insurance

Is boat insurance required by law in NY?

While New York State does not legally mandate boat insurance for registration, almost every marina and bank does require it. Furthermore, operating without liability coverage puts your personal assets (home, savings) at risk if you are involved in a boating accident.

Am I covered if I tow my boat?

Your auto policy covers the trailer while it is attached to your truck. However, once the boat is detached (or if the boat is damaged while on the trailer), you need a boat policy. We ensure there are no gaps between your road and water coverage.

What are my navigation limits?

Most Long Island policies cover the inland lakes, rivers, and coastal waters of New York (including the Sound and the South Shore bays). If you plan to travel further—to Block Island, Newport, or down the Intracoastal—let us know so we can extend your navigation territory.