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Find Boat Insurance Agents Near You in Utica, NY

Browse boat insurance agents serving Utica, New York. Updated 2026-07-14.

The top-rated boat insurance agent in Utica, New York is Scott Grates - State Farm Insurance Agent, rated 5.0 stars across 291 reviews. Other highly rated options include Freeway Insurance, Matt Nimey Insurance Agency, Dan Meehan - State Farm Insurance Agent. This directory lists 10 boat insurance agents serving Utica.

Showing 10 boat insurance agents in Utica, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Scott Grates - State Farm Insurance Agent430 Trenton Rd(315) 797-7763
2Freeway Insurance334 Genesee St(315) 567-4346
3Matt Nimey Insurance AgencyBy appointment Only, 2001 Bleecker St(315) 737-6099
4Dan Meehan - State Farm Insurance Agent2023 Sunset Ave(315) 735-4494
5BEACH AGENCY INC1111 Oriskany St W(315) 793-7626
6Scalzo Zogby & Wittig Inc120 Lomond Ct(315) 792-0000
7Farmers Insurance - Michelle Santillo-Romano2400 Genesee St(315) 765-6531
8Michael Garcia: Allstate Insurance2046 Genesee St(315) 793-3322
9Success Insurance Utica106 Genesee St(315) 230-0287
10Haylor Freyer & Coon Inc102 Business Park Dr STE 2(315) 734-9386
SG
430 Trenton Rd
Scott Grates - State Farm Insurance Agent
Boat Insurance Agent · Utica, NY

Scott Grates - State Farm Insurance Agent serves the Utica, NY metro area and specializes in boat insurance for local waterways. The agency provides coverage options to protect watercraft from common risks on nearby lakes and rivers. Policies often include liability protection for accidents or damage. Additional customization may address property coverage for onboard equipment. For area boat owners, the agency also handles quotes for comprehensive physical damage coverage.

FI
334 Genesee St
Freeway Insurance
Boat Insurance Agent · Utica, NY

Freeway Insurance serves clients in Utica, New York, offering boat insurance that helps protect watercraft against common risks on local waterways. This coverage can be expanded with additional options such as liability protection for passengers and physical damage coverage for the hull. The agency can accommodate various commercial sectors, including marinas, boat rental services, and fishing charter operations that require tailored policies.

MN
By appointment Only, 2001 Bleecker St
Matt Nimey Insurance Agency
Boat Insurance Agent · Utica, NY

Matt Nimey Insurance Agency provides boat insurance policies for recreational watercraft, including coverage for liability, physical damage, and medical payments. Its service plans include assistance with policy customization to match specific usage patterns and risk factors common in the Utica area. The agency also offers regular policy reviews to ensure coverage aligns with seasonal boating activity. It typically serves single-family homes, apartments, retail stores, and restaurants that own or operate boats for personal or business use.

DM
2023 Sunset Ave
Dan Meehan - State Farm Insurance Agent
Boat Insurance Agent · Utica, NY

Dan Meehan - State Farm Insurance Agent in Utica, NY serves homeowners and property managers who own boats kept on local lakes or rivers. The agency offers policies covering physical damage, liability, and medical payments for watercraft like runabouts, fishing boats, and personal watercraft. Policies can be written for seasonal or year-round use. Coverage extends to boat owners along the Mohawk River and in neighboring communities such as Whitesboro and New Hartford.

BA
1111 Oriskany St W
BEACH AGENCY INC
Boat Insurance Agent · Utica, NY

BEACH AGENCY INC serves Utica, New York, and its surrounding communities with insurance for boats, including personal watercraft and larger vessels. The company specializes in protecting marine assets against common local risks like weather damage and liability on area waterways. Each policy is tailored to the specific needs of the boat owner, with the agency using a thorough, consultative approach to assess coverage requirements and then matching those needs with suitable protection from standard insurers.

SZ
120 Lomond Ct
Scalzo Zogby & Wittig Inc
Boat Insurance Agent · Utica, NY

Scalzo Zogby & Wittig Inc in Utica, NY helps boat owners distinguish between a single-season policy for newly purchased vessels and a recurring annual plan that covers evolving needs through renewal cycles. Their service area includes all standard coverage options for liability, physical damage, and personal property on inland waters and nearby lakes. Local agents can evaluate hull value, onboard equipment, and typical usage patterns to match each client with appropriate protection. Consultations and policy adjustments are available year-round on a scheduled or as-needed basis.

FI
2400 Genesee St
Farmers Insurance - Michelle Santillo-Romano
Boat Insurance Agent · Utica, NY

Specializing in boat insurance, Farmers Insurance - Michelle Santillo-Romano in Utica, NY provides tailored coverage to protect watercraft of various sizes and types. The agency also offers general protection plans to safeguard boat owners’ broader assets and liabilities. Recognizing New York’s unpredictable weather patterns, it specifically helps clients manage risks associated with sudden storms or early winter freeze-ups that can damage stored vessels.

MG
2046 Genesee St
Michael Garcia: Allstate Insurance
Boat Insurance Agent · Utica, NY

Michael Garcia: Allstate Insurance provides boat insurance to residential clients in Utica, New York, covering personal watercraft from runabouts to fishing boats. The agency also extends commercial coverage for charter vessels and marina operations throughout the surrounding Mohawk Valley region. Policies are tailored to meet local waterway risks, including liability and physical damage protection. Between regular visits, customers can easily follow up on policy changes, claims questions, or renewals by contacting the office directly for ongoing service adjustments.

SI
106 Genesee St
Success Insurance Utica
Boat Insurance Agent · Utica, NY

As the Great Lakes ice melts and Utica's waterways open for another season, boat owners turn to Success Insurance Utica for their annual coverage needs. They provide tailored policies that protect vessels against common local risks such as storms and collisions. Their services cover a range of watercraft, ensuring compliance with marina requirements and state liability laws. Before finalizing a policy, a representative will schedule a thorough on-site inspection to document the boat's current condition and any existing hull damage.

HF
102 Business Park Dr STE 2
Haylor Freyer & Coon Inc
Boat Insurance Agent · Utica, NY

Haylor Freyer & Coon Inc provides general boat insurance agent services for clients in Utica, New York, offering specialized coverages that can include protection for hull, liability, and personal property. These policies are tailored to address the specific risks associated with recreational watercraft and local waterways. The company serves a range of commercial sectors, including boat dealerships, marina offices, storage warehouses, and food service operations located near the waterfront.

What Does a a Boat Insurance Agent in Utica Cost?

Typical boat insurance costs in New York range from 300 to 800 dollars per year for a standard runabout, but can exceed 1,500 dollars for larger vessels or high-performance boats. Factors like boat value, horsepower, navigation area, and your claims history affect the premium. This is general information and not insurance advice.

About boat insurance agents in Utica

Boat insurance agents in Utica, New York help protect your watercraft on the Mohawk River and Oneida Lake. New York state law requires liability insurance for all motorized vessels. Local agents can guide you through coverage options that meet state requirements and protect against common risks like storms and collisions.

Frequently Asked Questions

What does boat insurance cover in New York?

Boat insurance in New York typically covers liability for bodily injury and property damage, physical damage to your boat, and medical payments. Some policies also include coverage for towing and emergency assistance on the water.

Is boat insurance required in New York state?

Yes, New York requires liability insurance for all motorized watercraft, including boats and personal watercraft. The minimum liability limits are 25,000 dollars per person for bodily injury and 50,000 dollars per accident for total bodily injury.

How do I choose a boat insurance agent in Utica?

Look for an agent with experience in marine insurance and knowledge of local waterways like the Erie Canal. Ask about their familiarity with New York specific regulations and whether they offer coverage for winter storage and lay-up periods.

Boat Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each boat insurance agent's credentials and current standing with your state Department of Insurance.