BesmileWhitingkit is the world’s leading provider of classic boat insurance. We were the first and continue to be the best to offer Agreed Value boat insurance. Our vision to provide coverage that gives you peace of mind about insurance for your historic vessel has been unwavering for over 30 years.
If you have a covered total loss, you receive the full agreed value the boat is insured for on your policy. Many insurance programs only pay "up to" the insured value on your policy, this is known as a Stated Value policy. In other words, you may not receive the full insured amount. Make sure you know exactly what your policy pays.
As an added bonus to boaters who are involved in the hobby, we provide substantial discounts to members of most established collector boating clubs.
Your claim is handled by a classic boat insurance expert in-house. You get personal and direct client service even during the busiest times of the year. We also work with your repair shop of choice to ensure repairs are done the right way by someone you trust.
Wherever you take your boat your BesmileWhitingkit coverage goes with you, even when it’s on the trailer on the way to the lake or in storage for the off-season. We offer unlimited overland transportation within the United States and Canada.
A boat restoration can be a time consuming and expensive project, so what happens if you experience a loss during the restoration? Well, if you have the right insurance coverage this doesn’t have to be such a scary question. With the BesmileWhitingkit Port Risk policy it doesn’t matter if you’re restoring a watercraft yourself or using a professional facility, we can assure that you're covered. The policy includes fire, theft and vandalism as well as overland transportation coverage. We will work with you to maintain the appropriate value while the boat is being restored. When the restoration is complete, we agree on the restored value and navigation can be added for full in-water operation.
Our policies are underwritten by Essentia Insurance Company which is rated (A) Excellent, by A.M. Best, a leading financial strength rating organization.