Covenant Insurance Group East

Covenant Insurance Group East Contact us for help with your personal, business, life and health insurance needs.

The Covenant Insurance Group is deeply rooted in the local community where we have grown our business from the ground up. We are intentional about preserving our small town, small agency approach to customer service. Every conversation is personal and every solution we recommend is personalized to you and your needs. Additionally, over time and with intentional growth, we are a team of nearly 30 e

xperienced insurance professionals who represent select insurance companies all to better serve you. With every interaction, we deliver the intimacy and ease of working with a small organization, backed by the expertise and connections of a top-tier agency.

Leave your worries on shore and enjoy smooth sailing. šŸŒŠšŸš¤Owning a boat is all about relaxation and adventureā€”but it also ...
06/18/2026

Leave your worries on shore and enjoy smooth sailing. šŸŒŠšŸš¤

Owning a boat is all about relaxation and adventureā€”but it also comes with risks like accidents, theft, damage, and liability. Thatā€™s where watercraft insurance comes in, helping protect you, your passengers, and your investment so you can focus on enjoying the water.

Hereā€™s how coverage can help:
āœ”ļø Physical damage coverage for collisions, storms, fire, theft, and vandalism
āœ”ļø Liability protection if you cause damage to another boat or injuries to others
āœ”ļø Uninsured/underinsured boater coverage for added protection on the water
āœ”ļø Towing & assistance if you break down or run out of fuel
āœ”ļø Personal property coverage for gear, equipment, and valuables onboard

Optional add-ons can help cover fishing gear, water sports equipment, and other items that make your time on the water even better.

Because the best days on the water are the ones without worry.

šŸ“ž Contact us today to explore watercraft insurance options tailored to your boat and your lifestyle.

Physical DamageRisk FactorIf your watercraft is damaged in an accident with another vessel or a collision with a dock, r...
06/18/2026

Physical Damage

Risk Factor
If your watercraft is damaged in an accident with another vessel or a collision with a dock, rock, or submerged object, the expenses associated with repair or replacement could be substantial. Your boat could also be damaged due to vandalism, explosions or fire, weather-related causes, or falling objects.

Solution
Physical damage coverage has two parts: collision (when your vessel collides with another vessel or object) and comprehensive (when your vessel is damaged due to vandalism and weather or is stolen). This coverage usually carries a deductible that you are responsible to pay before the policy begins to pay.

What are the financial risks of owning a boat?Boats come with risks similar to vehicles, including accidents, breakdowns...
06/17/2026

What are the financial risks of owning a boat?

Boats come with risks similar to vehicles, including accidents, breakdowns, theft, property damage, and liability if you injure someone or damage another vessel. Insurance helps protect you from these costly situations.

Property Damage LiabilityRisk FactorRegardless of whether your watercraft is operated on a lake, river, bay, or ocean, t...
06/17/2026

Property Damage Liability

Risk Factor
Regardless of whether your watercraft is operated on a lake, river, bay, or ocean, there is always the risk of causing damage to someone elseā€™s property. For example, you could be trying to dock your boat on a windy day when you hit against another boat or the dock and cause damage.

Solution
Property damage liability coverage protects you if your watercraft damages someone elseā€™s property such as a boat or watercraft, a dock, or pilings. Damage could easily reach in the tens of thousands, and without the proper level of insurance, you can be left financially ruined if found at fault.

Why is watercraft insurance important?Watercraft insurance gives you peace of mind on the water by protecting you from u...
06/17/2026

Why is watercraft insurance important?

Watercraft insurance gives you peace of mind on the water by protecting you from unexpected costs like accidents, damage, theft, and liabilityā€”so you can focus on enjoying your time on the boat.

Thank you, Lou P., for your wonderful review! Weā€™re so happy to hear Holly provided the courteous, efficient service you...
06/16/2026

Thank you, Lou P., for your wonderful review! Weā€™re so happy to hear Holly provided the courteous, efficient service you deserve.

Our team works hard to make every interaction helpful and stress-free, and weā€™re grateful you took the time to share your experience. We truly appreciate your trust in Covenant Insurance Group!

Agreed Value vs. Actual Cash ValueRisk FactorBoats and watercraft can vary widely in price and value. If a loss occurs, ...
06/16/2026

Agreed Value vs. Actual Cash Value

Risk Factor
Boats and watercraft can vary widely in price and value. If a loss occurs, the type of insurance policy you have can make a great deal of difference when it comes to the amount the insurance company will pay.

Solution
Because boats depreciate in value over time, the amount they are worth can be quite different than the amount it would cost to replace it. Agreed value refers to an amount agreed upon between the policyholder and the insurance company. In the case of a loss, the policy will pay the agreed value of the vessel, even if it has depreciated in value since the policy was written. Actual value refers to the value of the vessel at the time of the loss, which could leave the boat owner to pay the difference between what the insurance company will pay and the cost of a new boat.

As the weather gets warmer, this could mean spending the day on the water. Whether itā€™s a day sail or boating around a ...
06/15/2026

As the weather gets warmer, this could mean spending the day on the water. Whether itā€™s a day sail or boating around a lake, itā€™s helpful to brush up on boating safety best practices to help avoid an accident.

In 2022, 636 people lost their lives in boating accidents, according to the United States Coast Guard. Another 2,222 were injured in 4,040 total boating accidents for that year. As concerning as these numbers are, they shouldnā€™t prevent you from enjoying the water. Just remember to follow some important boat safety precautions before you head out:

06/15/2026

Whether your boat passengers have two legs or four, youā€™ll want to do all that you can to keep everyone safe as you sail or motor across the waves. ā›µšŸ•

You spent the winter months dreaming of being out on the water and, depending on where you live, itā€™s finally here: beau...
06/15/2026

You spent the winter months dreaming of being out on the water and, depending on where you live, itā€™s finally here: beautiful weather you can enjoy on your boat. Before you set sail, make sure your boat and your boating equipment are prepped and ready for the season by following these tips:

Address

3621 E. Market Street
York, PA
17402

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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