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Boat & Watercraft Insurance

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Watercrafts come in a variety of shapes and sizes designed to meet the needs of the most basic boater, to luxury accommodations. Policies are built to protect you and your boat in almost any situation. Our team can assist you in determining the best way to insure your watercraft.   

What type of watercraft do you own?

We provide access to comprehensive, tailored protection for a wide range of vessel types, sizes, and ages.

HOW DOES watercraft INSURANCE WORK?
Just like auto coverage, there are some coverages that are required, such as bodily injury and property damage liability coverage. There are other coverages you can add that provide physical damage coverage to your watercraft and accessories along with towing. The policy can be tailored to meet your needs.

STANDARD Watercraft COVERAGE:

LIABILITY: Pays for damage or injuries you cause while driving your watercraft. It also covers legal fees that may result from the accident. In most states, this is the only required coverage. It also includes coverage for fuel spills, wreckage removal, water sports and pet injuries.

MEDICAL: Covers medical bills, up to the limits you choose, for you and your passengers if you're in an accident, regardless of fault. 

COMPREHENSIVE: Protects your watercraft from theft, vandalism, windshield damage, acts of nature, and accidents/impact with other objects.

COLLISION:  Covers damage to your watercraft if you're in an accident and hit another vessel or object, regardless of fault. Note that you won't be able to purchase collision without also purchasing comprehensive.

UNDERINSURED/UNINSURED BOATERS:  If your watercraft is hit and damaged by a boater who isn't carrying insurance or doesn't have enough to cover the damage they've caused, uninsured/underinsured boater property damage coverage will pay to repair or replace it (up to your policy's limits). The same goes for injuries you suffer at the hands of an uninsured or underinsured boater—we'll cover your injuries up to the limits of your policy.

ENHANCED COVERAGES AVAILABLE:

  • Personal Effects
  • On-Water Towing
  • Roadside Assistance
  • Mechanical Breakdown 
  • Replacement Cost/ Agreed Value Options
  • Trailer Trip Interruption

TO LEARN MORE ABOUT OUR ENHANCED COVERAGE OPTIONS AND GET A FREE QUOTE TODAY, CLICK HERE

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