From wakeboarding at Lake Pleasant to houseboating on Powell. We protect your vessel, your gear, and your passengers so you can focus on the fun.
Many boat owners mistakenly assume their boat is fully covered under their home insurance. The reality? Home policies usually only cover small, slow boats with very low liability limits—and rarely cover you once you leave your driveway.
Arizona's lakes and reservoirs present unique challenges, from fluctuating water levels exposing rocks to crowded holiday weekends. Howard Castle Insurance provides specialized marine policies that protect you on the water, on the trailer, and in storage.
The water is unpredictable. Your insurance shouldn't be. We offer comprehensive policies tailored to your vessel type.
Unlike cars, boats depreciate differently. "Agreed Value" ensures that if your boat is a total loss, you get the full insured amount you signed up for—no depreciation deducted.
Covers bodily injury or damage to other boats, docks, or structures if you are at fault in an accident. Also covers legal defense costs.
Many boaters on Arizona lakes are uninsured. This coverage pays for your medical bills and boat repairs if you are hit by an uninsured or hit-and-run boater.
Running out of gas or having an engine failure in the middle of Lake Powell is expensive. This covers emergency towing, fuel delivery, and jump starts.
Don't let a capsized boat ruin your expensive tackle. We offer replacement cost coverage for fishing equipment, skis, wakeboards, and personal electronics.
If your boat sinks, you are legally required to remove it. Recovery and cleanup operations are incredibly costly; this coverage handles the bill for you.
We navigate the complex market of marine insurance to find you the best rates. By leveraging discounts and choosing the right carrier, we keep your premium low.
We shop top carriers including
Have questions? Need a quote? We're here to help. Reach out and let's find the perfect coverage for you.
Mon-Fri: 8:00 AM - 5:00 PM MST
Saturday & Sunday: Closed
Gilbert, Arizona
Proudly serving all of Arizona
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