Recreational

Marine

How much is boat insurance in CT?

What’s your nautical style? You might spend summer afternoons in search of that big bass in your new fishing boat. Perhaps you have the perfect pontoon boat for a relaxed cruise around the lake on the weekends. Maybe your sailboat takes you on solitary journeys wherever the wind takes you.

Boats and personal watercraft are big purchases, but if you love being on the water, you know they’re worth it. With industry-leading features, Farmers® Marine Choice® can help you protect your vessel in the way you want — And your Farmers agent can help and provide information on discounts as you customize your coverage.

Here are some ways a Marine Choice package may help if the unexpected happens:

A hurricane is approaching

Risk:

The marina where you dock your cabin cruiser is in the path of an approaching hurricane — you want to get it out of the water and hauled to a safe location as soon as possible.

Coverage:

Plus and Elite packages both help with the cost of professional haul-out when a hurricane or tropical storm threatens your boat — up to $500 with Plus or $2,000 with Elite.

Your motorboat breaks down

Risk:

Your motorboat stalls in the middle of the lake — and won’t restart. You’re not sure what went wrong, but you need help right now.

Coverage:

Optional coverage may help with the cost of emergency labor where your boat is disabled — or a tow to the nearest location where repairs can be made. The Elite package may also cover the cost of gas, oil or a battery, if needed.

You want protection in the Bahamas

Risk:

You decide to fulfill a lifelong dream of sailing to the Bahamas for a few weeks of relaxation.

Coverage:

Your coverage may extend beyond U.S. waters to the Bahamas — and Mexico — with an Elite policy.

Farmers packages

Farmers also offers packages — with many available Elite benefits — specially tailored to these types of boats:

  • Pontoon
  • Classic
  • Performance

Personal Watercraft

Farmers covers all types of personal watercraft with options and benefits designed for watercraft enthusiasts.

Farmers works to build strong customer relationships

Farmers has spent 90 years putting customers first. Are you shopping for coverage, or do you have a question about your policy? Maybe you’re ready to get a boat or personal watercraft insurance quote. Be sure to let a Farmers agent deliver personalized service and support.

You’ll experience a similar level of care from our knowledgeable claims representatives, who will provide assistance as quickly as possible.

To learn how Farmers can help you protect your boat or personal watercraft, call an agent today.

View More

Dirt Bike

Off-Road Vehicles

Coverage for dirt bikes, ATV’s, snowmobiles, and golf carts.
Read more
Travel Trailer

Travel Trailer

Coverage designed for a travel RV, meant for a seasonal or permanent home.
Read more
Fifth wheel RV behind tree

5th Wheel

Unique risks come from 5th wheel trailers. Our coverage is designed for just that.
Read more
Mobile Home

Motor Home

Coverage for RV’s that cannot be covered by a traditional auto policy.
Read more

Get a Free Quote

Thank you for your interest; please feel free to submit a quote request. If you have a question, feel free to ask! Please get in touch with us using the form below or e-mail or call us with any questions you might have.We look forward to working with you.

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Our Team

Mike Urgo
A Rhode Island native and now a Connecticut resident, Mike Urgo is a highly qualified insurance agent with years of experience. He possesses a diverse background professionally and personally.
Lynn Belanger
Lynn is currently helping manage the operations of the office and is fully licensed in Connecticut Property and Casualty Insurance.
Hannah Smith
Hannah is fully licensed in property and casualty insurance and is happy to run quotes, book policies, or answer any questions one might have.

Meet our Clients

Don't just listen to us; hear what a few of our customers had to say about their experience with Farmers.

"Exceptional customer service.  Called me back the next day with a quote.  Staff and Mike Urgo are kind, professional and ask the right questions to help clients save money while still protecting your home and vehicle with excellent insurance coverage.  Highly recommended."

Kara Crismale - ⭐⭐⭐⭐⭐
Attorney | Faulkner & Graves, PC

“Mike Urgo and the staff with Urgo Agency are amazing. Not only do they spend a lot of time giving back to our community, they are completely about educating us as consumers. He is honest (for example if the existing policy you have is good, he’ll tell you), educated in the insurance field and caring towards your family needs.   Thank you for a great experience!”

Owner | Shake It Up, LLC

"This has been the best insurance experience we have ever had. You call the office and you get an actual person who knows who you are and actually cares about your problem and helps you right away. No more long wait times and press 1 for service. I can not recommend them enough."

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike and his team at the Urgo Agency/Farmers Insurance are great! Very knowledgeable, very nice, and easy to work with. It's not just about the insurance rates but more importantly the education on what coverage you need (for your home, boat, car, etc). Highly recommend giving Mike a call!"

"Mike was unbelievable! He was extremely friendly, quick and very knowledgeable. He saved me $700 a year! I would highly recommend Mike Urgo for your insurance needs!"

"Mike and his team are consummate professionals with an honest and consultative approach. Would highly recommend him for any of your insurance needs."

"Trustworthy agent who really cares about his business."