Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Independent agency in Peoria, Arizona. Strategic Insurance Agency Alliance member.
Lake Pleasant is forty minutes from Peoria and the boats that live in West Valley garages spend most of the year parked. A boat policy has to work in both places: on the water and on the trailer.
At a glance
Boat and watercraft coverage
What we write
Boats and personal watercraft, including jet skis.
Core coverages
Liability, hull damage, passenger injuries, and special equipment.
Worth adding
On-water towing, fuel spill liability, and coverage for the trailer.
The term to check
Whether the hull is valued at agreed value or actual cash value.
Off season
Most claims happen in storage, not on the water. Keep comprehensive in force.
5.0 on Google and Facebook
A growing list of carriers
SIAA member agency
A local agent who picks up
Start here
Boats and personal watercraft need their own policy. Recreational vehicles bring excitement, but they also carry risks, and these policies can cover liability, collision damage, passenger injuries, and special equipment.
Liability on the water works much like liability on the road: it responds when you damage another vessel, a dock, or injure somebody. Arizona lakes get busy, and a crowded ramp on a Saturday in June is where most of the small claims come from.
Hull coverage is the boat itself, and how the carrier values it is the single most important term in the contract. Then there is the equipment: electronics, tower, wakeboard racks, covers, trailer, and the gear that lives in the boat.
Two coverages people forget until they need them are towing on the water, which is nothing like a roadside call, and fuel spill liability, which is a real statutory exposure.
The same boat, the same loss, two very different checks. This is the term to read before you compare prices.
Actual cash value
Pays what the boat was worth on the day of the loss, after depreciation.
On an older hull that can be well below what it would cost to replace it.
Generally the cheaper premium, which is why it wins price comparisons.
The depreciation is calculated at claim time, not agreed in advance.
Agreed value
You and the carrier agree the insured value when the policy is written.
A total loss pays that figure, without a depreciation argument.
Costs more, and the difference is usually smaller than people expect.
Availability depends on the boat's age, type and survey, so ask rather than assume.
Days on the lake are some of the best days of the year, and nobody wants a bad claim to become the story. We are an independent agency, so we can compare specialty boat carriers with the standard ones and explain how each would value your hull.
A boat that gets towed to the lake involves three insured things: the boat, the trailer and the vehicle towing them. Splitting those across three agencies is how a claim ends up with everybody pointing at somebody else. We keep them together, so there is one person to call when something goes wrong.
What we will ask about the boat
Length, make, model, year, engine, and what it is worth today
Where it is stored between trips, and whether that is covered or open
Whether you want agreed value or actual cash value, once we have explained both
What is on it: electronics, tower, racks, covers, and the trailer's own value
Whether anyone else operates it, which is where the liability limit gets decided
Foremost is one of our carriers and a long-standing specialty market for boats and watercraft, alongside the standard carriers that will write them as part of a package.
Four exposures
The hull is the boat. The liability is everyone and everything around it. The passengers are the people you invited. The equipment is everything bolted or thrown in that the manufacturer did not include.
Personal watercraft deserve their own note. A jet ski is fast, easy to lend to somebody who has never operated one, and generates a disproportionate share of liability claims for its size. If yours gets handed around at the lake, the liability limit is the number to look at rather than the hull value.
The trailer is part of this too. It has its own value, it is stolen more often than the boat is sunk, and it is not automatically included.
Hull, liability, passengers and equipment. Towing on the water and fuel spill liability are separate additions worth asking about.
In their words
5.0 stars across Google and Facebook
“
Great experience with this insurance agent! He helped me find a good price for my car insurance and made the whole process easy and stress-free. Very helpful, honest, and professional. Highly recommend!
RY
Ramez Y.
I had a great experience with Shield of Faith Insurance! Mena took the time to understand our family's needs and explained each part of the coverage clearly. He helped us set up a home insurance policy with stronger protection and bundled it with our auto insurance for a package at a lower cost. What stood out most was his honesty and patience, he focused only on what truly benefited us, making the whole process simple and stress-free. We now have better coverage and peace of mind thanks to Mena. Highly recommend!
Hanna K. · Google and Facebook
Shield of Faith Insurance made getting renters insurance simple and affordable, after talking to a few other brokers, they were the ones who helped me get the best coverage with no stress!
Ahmad F. · Google and Facebook
I had a really good experience working with Shield of Faith Insurance. I needed new rental insurance as I was moving apartments. I got sent details on the policy next day and all I had to do was sign the forms. I ended up with a really good deal and saved about 20% compared to my old policy. I reached out to him again about auto insurance as well. I have had Geico for over 5 years and my premiums had only gotten more expensive. He somehow ended up getting me more coverage for half the price I was paying before. The entire process was easy and Mena was very responsive to email and text. Would highly encourage you to take a look and see what type of deals he can make for your insurance policies.
David G. · Google
I had a fantastic experience with Shield of Faith Insurance! Mena was incredibly patient and took the time to walk me through every detail of the coverage options. He made sure I understood the benefits clearly and only recommended what truly made sense for my specific situation. Thanks to Mena, I now have an auto policy that provides much better coverage at a significantly lower cost than what I was paying before. The entire process was smooth and efficient. He handled most of the backend work, which saved me a lot of time and hassle. If you're looking for an honest, knowledgeable, and helpful insurance agent, I highly recommend Mena at Shield of Faith Insurance!
Sara Z. · Google
Every review above is quoted in full from Google or Facebook. Read all of them.
Does my homeowners insurance cover my boat?
Homeowners policies sometimes extend limited coverage to very small boats, usually with a low limit and often only while on your property. Anything with a meaningful engine, and any liability while operating on the water, needs a dedicated boat policy.
Is boat insurance required in Arizona?
Arizona does not impose a blanket insurance requirement on recreational boats the way it does on cars, though marinas and lenders commonly require it. The reason to carry it is the liability exposure on a busy lake rather than a legal minimum.
Is my trailer covered by my boat policy?
Not automatically. The trailer has its own value and is stolen more often than the boat is damaged. Ask for it to be listed on the policy with its own value.
Do I need coverage in the winter if the boat is in storage?
Most boat claims happen off the water. Theft, fire, storm damage and vandalism all happen in a driveway or a storage yard. Dropping comprehensive over the off season also creates a coverage lapse that can cost you later.
Do you write jet skis and personal watercraft?
Yes. Personal watercraft are written on their own policies or added alongside a boat. Because they tend to get lent to friends and family, the liability limit matters more on a jet ski than the hull value does.
Free and no obligation
At Shield of Faith Insurance, we make it easy to compare options and find affordable coverage. Whether you need auto insurance, homeowners insurance, life insurance, or specialty coverage in Peoria, AZ, we're here to help.
Contact our Peoria office today to request your free, no-obligation insurance quote and discover how we can help you protect what matters most.
Call or text anytime during the business week. Evenings and Saturdays by appointment.
What happens next
1
A real person from our office calls you back with real numbers.2
No robo-dialers and no spam calls.3
You pick the coverage, we handle the paperwork.Service area
Boat insurance in Arizona is mostly a Lake Pleasant conversation for our clients, and we write boat insurance in Peoria, AZ along with jet ski insurance in Arizona for personal watercraft. Ask about the trailer and about how the hull is valued, because those two details decide more of the claim than the premium does.
The 60 second version
Tell us what you own and how to reach you. We will do the comparing.
No robo-dialers and no spam calls. A local agent follows up personally. Sending this does not bind coverage.
Ask us whether your hull is on agreed value or actual cash value. Most owners do not know, and it decides the whole claim.
