Boat & Watercraft Insurance

Protection On The Water

Time Spent On The Water Should Be Relaxed And Worry-Free

Let us help you find boat insurance options. A boat insurance policy may protect policyholders, their friends/family, their watercraft, and their boating equipment.

Common Types Of Coverage

What You Need To Know

Navigational Area

Know where you are covered in the water. Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico.


Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at fault.

Medical Payments

Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is typically available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at fault.

Personal Effects / Fishing Equipment

Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting and fishing equipment.

Fuel Spill Liability and Wreckage Removal

Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive. This coverage would help in such situations.

Agreed Value and Replacement Cost Coverage

Boats depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. Agreed value means that if your boat is a total loss, you will get the value you insured it for, minus any deductible. Replacement Cost Coverage may be available for your brand new boat. This would replace your boat with a new current model-year boat in the event of a total loss.

Physical Damage Coverage

Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen or damaged.

Unattached Equipment Coverage

This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps, etc.

Uninsured/Underinsured Watercraft Bodily Injury

Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater and are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Emergency Assistance

The Emergency Assistance Package provides coverage for towing, labor, and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water. It is like Roadside Assistance while on the water.

Informational statements regarding insurance coverage are for general description purposes only. Read our disclaimer.

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