Boat & Watercraft Insurance
Comprehensive protection for your vessel and adventures on the water
What is Boat Insurance?
Boat insurance provides comprehensive coverage for your watercraft, protecting you from physical damage, liability claims, and other risks associated with boating. Whether you own a small fishing boat, a speedboat, a yacht, or personal watercraft like jet skis, proper insurance is essential.
Coverage typically includes physical damage to your boat, liability for injuries or property damage you cause, medical payments, and protection for your equipment and accessories. Many marinas and lenders require proof of insurance before allowing you to dock or finance a vessel.
Boat insurance can cover everything from small fishing boats to luxury yachts, with policies tailored to your specific watercraft and usage.
What Boat Insurance Covers
Comprehensive protection for your watercraft and boating activities
Physical Damage
Coverage for damage to your boat from collisions, storms, fire, theft, vandalism, and other covered perils.
Liability Protection
Covers bodily injury and property damage you cause to others while operating your watercraft.
Medical Payments
Pays for medical expenses for you and your passengers injured in a boating accident, regardless of fault.
Uninsured Boaters
Protection if you're in an accident with an uninsured or underinsured boater who is at fault.
Equipment & Accessories
Coverage for fishing gear, navigation equipment, water skis, and other boat accessories and equipment.
Towing & Assistance
On-water towing and emergency assistance when your boat breaks down or runs out of fuel.
Watercraft We Cover
Insurance solutions for all types of boats and watercraft
Yachts
Luxury vessels and large cruising boats
Sailboats
All sizes of sailing vessels
Speedboats
High-performance powerboats
Personal Watercraft
Jet skis and wave runners
Fishing Boats
Sport fishing and commercial vessels
Pontoon Boats
Leisure and party boats
Kayaks & Canoes
Small paddle craft
Houseboats
Floating homes and live-aboards
Why You Need Boat Insurance
Protect Your Investment
Boats are expensive assets. Insurance protects your investment from damage, theft, and total loss.
Liability Coverage
Protect yourself from lawsuits if you injure someone or damage property while boating.
Marina Requirements
Most marinas require proof of insurance before allowing you to dock or store your boat.
Lender Requirements
If you finance your boat, lenders typically require comprehensive insurance coverage.
Frequently Asked Questions
Set Sail with Confidence
Get comprehensive boat insurance coverage for worry-free adventures on the water
Get Your Quote Today