Boat Insurance Coverage Features
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Allstate Covers Your Boating Experience
When something unexpected happens on the water, you want to be sure you're covered—and homeowners insurance typically only goes so far. That's why our full-featured boat insurance gives you peace of mind and protects you and your family. We cover your boat from bow to stern, your gear—and much more.
How We Cover You and Your Crew
Watercraft Medical Payments Coverage
Helps pay the medical costs if you or anyone on your boat is injured in an accident.
Watercraft Liability Coverage
Helps protect you from paying medical and other costs for other people injured in an accident. This policy also helps protect you from paying for repair or replacement of another operator's boat or property.
How We Cover Your Boat
Your Property Coverage
Helps pay for damage to your boat if you're involved in an accident with another boat or something else, such as a pier, buoy, dock, or debris. It also typically pays for damage caused by something other than a collision, such as theft, fire, or vandalism.
Premier and Premier Plus Packages
These packages combine Allstate policies to offer extensive coverage for your boat, trailer, and more.
Repair Cost Endorsement Coverage
Covers repair work on your boat, motor, equipment, or trailer. (Included in the Premier Package.)
Emergency Services Coverage
Helps pay for the costs of towing, labor, and delivery of fuel, oil, or a battery if your boat breaks down. (Included in the Premier Package.)
Uninsured Watercraft Coverage
Helps pay for injuries that you, your family, or anyone on your boat sustains if you're in an accident with an uninsured boater. (Included in the Premier Package.)
Agreed Value Option
Helps reimburse you for the boat's value at the start of the policy, regardless of the current market value. (Included in the Premier Plus Package.)
How We Cover the Rest
Personal Effects Coverage
Covers your personal belongings, including fishing equipment.
Additional Boat Equipment Coverage
Covers boat accessories such as anchors, life jackets, and navigation gear, up to policy limits.
Boat Trailer Coverage
Helps pay for damages to your trailer in an accident or other unforeseen incident.
Allstate's Discounts for Boaters
Combine your boat insurance with auto insurance and homeowners insurance policies to save up to 20%. Just bought a boat? Congratulations, there's a discount for new boats. Took a boat safety education course? You can get another discount. Check out our Allstate boat insurance discounts to find all the ways you can save with Allstate.
These packages combine Allstate policies to offer extensive coverage for your boat, trailer and more. To find out if you are eligible or to add this coverage, talk to your Allstate agent.
We Help You Stay Safe
Our boat safety videos offer quick refreshers on safe boating basics. Remember, you can never be too safe.
*Boat owners insurance is subject to terms, conditions, and availability. Policy issuance is subject to qualifications.