From Bay to Sound: How Amityville Boaters Can Avoid Coverage Gaps Between Waterways

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It’s just perfect. Boating around Amityville, NY, offers the best of all worlds. The sheltered Great South Bay and the wild open waters of the Atlantic right beyond Fire Island … It’s paradise. But moving between these waterways can expose you to risks and coverage gaps many boat owners overlook. At ACME Insurance Brokerage, we help local boat owners tailor their boat insurance to fit their lifestyle and the realities of Long Island’s diverse coastal experience.

Different Waters, Different Rules

Water is water. Not so fast. Policies often distinguish between “inland”, “bay,” and “coastal” navigation. A policy written for protected waters typically excludes coverage once you’re in the open ocean. And that means if you take your boat from the Bay out toward the Sound or beyond Jones Inlet, you are losing your protection without even knowing it. No collision coverage. No towing. And now liability protection.

Before you head out, review your boat insurance policy to make sure you’re covered regardless of where you operate your boat. But that’s not all. You need to confirm your policy includes:

  • Agreed value versus actual cash value on a total loss, which is especially important for older boats (Agreed value will pay out up to an agreed-upon amount, while actual cash value will pay out up to the value of your boat, minus depreciation.)
  • Salvage and wreck removal coverage (Salvage or removal costs often far exceed the value of your boat.)
  • Environmental liability (In case you accidentally spill fuel or spring a leak during an accident.)

Smart Coverage for Local Conditions

In Amityville, NY, shifting tides, shallow channels, and sudden coastal storms can create real risks. A customized policy from ACME Insurance Brokerage can include seasonal lay-up coverage, hurricane haul-out reimbursement, and even protection for trailers or equipment stored ashore.

Keep Your Adventures Seamless

Nobody has time for the fine print, but ignorance is not an option when your lifestyle and financial security are at stake. Schedule a quick policy review with ACMS Insurance Brokerage to make sure your boat insurance moves the way you do, from the Bay to the Sound and everywhere in between. The right coverage keeps you focused on what’s important: the horizon, not the exclusions page.