Types of boat coverages

Boat coverage helps you keep your watercraft protected year-round, whether it's on the water daily or in storage for the winter. Learn about the various optional coverage types and how boat coverage helps safeguard you, your boat and your passengers.

  • Watercraft medical payments coverage
    Can help pay for some of your medical costs or funeral expenses if you, or anyone on your boat, is injured in an accident.
  • Watercraft liability coverage
    Helps protect you from paying repair or replacement costs, medical costs, loss of income and funeral expenses of other people involved in an accident.
  • Property coverage
    Helps pay for damage to your boat if someone hits your docked boat or if you're involved in an accident with another boat or something else, such as a pier, buoy, dock or debris.
  • Repair cost endorsement coverage
    Provides coverage for your boat, motor, boat equipment or trailer, up to policy limits.
  • Emergency services coverage
    Repays up to $100 for the reasonable cost of towing, mechanical labor at the place of breakdown and delivery of fuel, oil or a battery.
  • Uninsured watercraft coverage
    Helps pay for injuries you, your family or anyone on your boat sustain due to an accident with an uninsured boater.
  • Agreed value option
    You'll be reimbursed for what the boat was worth at the start of the policy, regardless of the current market value.
  • Personal effects coverage
    Helps cover your fishing equipment and other personal belongings if they're damaged, lost or stolen.
  • Additional boat equipment coverage
    Provides coverage for your boat accessories including anchors, life jackets and navigation gear, up to policy limits.
  • Boat trailer coverage
    Covers damages to your trailer resulting from an accident or other unforeseen incident, up to policy limits.

Consider deductibles and limits.

When you purchase a boat insurance policy, you can select deductibles and coverage limits based on your needs.

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How to read your policy declarations

After you purchase your policy, you'll receive policy declarations outlining your coverage.

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