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Boat Insurance Coverage

Be The Captain Of Your Coverage.

Whether you're spending every day on the water or have your boat in storage for the winter, it's important to keep your watercraft protected against the unexpected year round. Typically, coverage is not required by law, but your lien holder may have requirements. An agent can help answer your questions, but you can also learn about the coverage types below:

  • Watercraft medical payments coverage
    Helps pay medical costs if you or anyone on your boat is injured in an accident.
  • Watercraft liability coverage
    If there's an accident, this covers the medical and other expenses of whoever was injured as well as the costs of repairing or replacing another person's boat or property.
  • Property coverage
    Covers the damage to your boat if you're involved in an accident with another boat or something else, like 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.
  • Repair cost
    Covers the repair work done on your boat, motor, equipment or trailer with no deduction for depreciation*.
  • Emergency services
    If your boat breaks down, this covers the cost of towing and labor and the cost of delivering fuel, oil or a battery.
  • Uninsured watercraft coverage
    If you're in an accident with an uninsured boater, this helps pay for injuries that you, your family or anyone else on your boat sustains.
  • Agreed value option
    When you're reimbursed for your boat's value, you'll be reimbursed for what it was worth at the start of the policy regardless of the current market value.
  • Personal effect coverage
    Covers your fishing equipment and other personal belongings if they're damaged, lost or stolen.
  • Additional boat equipment
    Covers boat accessories, like anchors, life jackets and navigation gear, up to the policy limits.
  • Boat trailer coverage
    Covers damages to your trailer resulting from an accident or other unforeseen incident.

Find an agent to learn more about ways to protect your boat with insurance.

Insurance, coverage and discounts are subject to terms and conditions, which may vary by state. Discount amounts and total savings will vary. Other terms, conditions and exclusions may apply.

*This option is only available for partial losses.
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