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- 4607 Great Northern Blvd, North Olmsted, OH 44070
Whether you’re cruising Lake Erie, fishing the Cuyahoga River, or zipping around on a jet ski, the water should be about fun—not financial worries. That’s where EZ2Insure steps in with boat insurance and personal watercraft coverage that keeps you, your passengers, and your investment protected.
From a basic liability policy to full boat coverage with bells and whistles, we’ll help you find a plan that matches how—and where—you ride.
Unlike auto insurance, boat insurance isn’t always required by law in Ohio—but marinas, lenders, and common sense often say otherwise. A good policy can help cover:
Damage to your boat or personal watercraft (PWC)
Injuries to passengers or other boaters
Damage to docks, other boats, or property
Theft, vandalism, and certain weather events
Without coverage, one mishap on the water could sink more than just your weekend plans.
We’re not just an insurance agency—we’re Cleveland locals who know the water, the lakes, and the risks.
Here’s what sets us apart:
We Shop Multiple Top Carriers – Getting you the best rate without sacrificing coverage.
Local Claims Support – Talk to someone who knows the area, not a random call center.
Flexible Coverage – Ride year-round? Only in summer? We can adjust your policy to match your season.
Jet skis, WaveRunners, Sea-Doos—whatever you ride, personal watercraft require special coverage. These smaller, faster machines come with unique risks, so we’ll help you find a PWC policy that protects you against injuries, property damage, and collisions—whether you’re riding solo or towing a tube.
We work with multiple carriers—including Progressive boat insurance so you get options, not just a one-size-fits-all plan. That means we can compare rates, coverage limits, and perks across top companies to find what actually works for you.
Liability Coverage – Protects you if you cause injury or damage to others.
Collision Coverage – Pays for repairs if your boat hits another object.
Comprehensive Coverage – Covers theft, vandalism, fire, and certain weather damage.
Uninsured/Underinsured Boater – Protects you if another boater causes damage without enough insurance.
Towing & Assistance – Because breakdowns happen—even on the water.
Let EZ2Insure shop for you. One call, one quote, multiple options—so you can spend less time worrying and more time enjoying the water.
If you already have home, auto, or commercial insurance with the same carrier, adding your boat insurance or PWC coverage can unlock multi-policy discounts of 10% or more.
Insurance companies love safe operators. Completing a state-approved boating safety course can lower your premium—plus, you’ll be a safer captain on the water.
If you store your boat for part of the year (common in Cleveland), ask about a seasonal policy or “lay-up” period that suspends certain coverages while it’s out of the water.
In Ohio, the average boat insurance premium can range from $200 to $1,000 per year for standard coverage. Costs vary based on your boat’s value, size, horsepower, where you store it, and your boating experience.
“Best” depends on your needs. EZ2Insure works with multiple top-rated carriers like Progressive, Foremost, and Markel to shop rates and coverage options for you—whether it’s liability-only or full replacement coverage.
No. Ohio does not legally require boat insurance, but marinas, lenders, or storage facilities may require proof of coverage. And if you want real protection for your investment, it’s worth having even if it’s not mandated.
You’ll typically need the boat’s make, model, year, hull ID number, value, and engine details. Photos and proof of ownership (like a title or bill of sale) can speed up the process.
Yes, if you were born before January 1, 1982. If born after that date, you must have a boater education card to operate a powerboat over 10 horsepower.
Yes. Liability-only boat insurance covers damage or injury you cause to others but doesn’t cover your own boat. It’s the most affordable option for minimal coverage.
In Ohio, it’s about the horsepower, not the size—boats with motors over 10 HP require a boater safety card if you were born after January 1, 1982.
Absolutely. The Coast Guard, Ohio Department of Natural Resources, or local authorities can stop you to check safety equipment, registration, and sobriety.
Check the Hull Identification Number (HIN) with your state’s boat registration office or the National Insurance Crime Bureau’s database. Avoid buying without proper paperwork.
No—maritime salvage laws apply, and ownership remains with the registered owner unless legally transferred.
Call the police immediately, then notify your insurance company. Provide the HIN, photos, and any security footage if available.
Yes—if you have comprehensive coverage. Liability-only policies do not cover theft.
Yes, with comprehensive coverage. Many policies also cover damage from wind, lightning, and hail, but always check your policy’s exclusions.
Your auto insurance usually covers liability while towing, but damage to the boat itself is covered only if your boat policy includes transit coverage.
Yes—personal watercraft (like Jet Skis or Sea-Doos) can be insured separately or bundled with your boat insurance for a discount.
At EZ2INSURE We Offer A Number Of Insurance Services That when Combined Could Help You Save Even More On Protecting You and Your Loved Ones
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Shopping for car insurance?
Here’s what matters before you decide on automobile insurance and how we can save you money.
Looking into term life insurance
or whole life insurance?
We make the differences
clear and simple.
Looking for extra insurance
that provides protection beyond
existing limits and coverages
of other policies?
Learn how our umbrella insurance can help you.
Looking for a
home insurance quote?
We break down what matters and how we can help.
Considering business or commercial insurance?
Here’s how to avoid overpaying or being left exposed.
Bundling auto
and home insurance?
Here’s how to protect more
and pay a lot less.
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