Boat & Marine Insurance

Comprehensive Protection for Your Life on the Water

Nothing is more invigorating than a day on the water, but every captain knows that boating carries unique risks. Whether you own a high-performance speed boat, a luxury yacht, a sailboat, or a personal watercraft, your vessel is a significant investment that deserves robust protection. At Tedmus Insurance Services, we specialize in identifying the financial risks associated with marine activities, ensuring you can navigate with total peace of mind.


Understanding Your Marine Coverage Options

Not all boat insurance policies are created equal. Depending on your vessel and how you use it, we offer several strategic approaches to valuation and protection:

  • Agreed Hull Value: For the most complete protection, this policy pays out a predetermined amount chosen at the start of the policy. In the event of a total loss, you receive that specific amount without depreciation.
  • Actual Cash Value (ACV): This more budget-friendly option covers the current market value of your boat at the time of the loss, accounting for age, wear and tear, and condition.
  • Marine Liability Insurance: This essential coverage protects your personal assets if you are found responsible for damage to another vessel or property, or for injuries sustained by others.
  • Specialized Add-ons: We can customize your policy with coverage for emergency towing and on-water service, expensive fishing gear, and other personal effects kept on board.


The Advantage of a Local Independent Marine Agent

At Tedmus Insurance Services in Higley, Arizona, our local agents are committed to helping boat owners in our community secure the highest level of coverage at the most competitive rates. Marine insurance products evolve frequently; new discounts and specialized coverages enter the market every year.

As an independent agency, we act as your advocate. We provide annual policy reviews to ensure your coverage still aligns with your needs and that you aren't overpaying. Because we live and work right here in Higley, we are easy to reach and available to meet on your schedule. Whether you are looking for a new quote or want a professional second opinion on your current policy, we are here to help you find more complete protection for less.


Don't leave your investment at the mercy of the waves. Secure your watercraft with expert marine protection.