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How to Read Your Boat Insurance Policy

Along with your Allstate® Boat Insurance purchase you'll receive a Policy Declarations. This indicates the choices you've made for your policy including coverages, deductibles and coverage limits. Each renewal period, which is typically every year, you will receive a new Policy Declarations.

Check your Policy Declarations to make sure all of the following information is correct:

Sample Boat Policy Declaration.
  • Policy Period

    When you pay your premium by the due date, your policy automatically continues for the time period shown, usually 12 months

  • Boat(s) Covered

    This shows the boat(s) listed on this insurance policy.

  • Total Premium

    Each boat you insure has its own premium amount. This total is for all the listed boats for the policy period combined.

  • Coverages

    If you have more than one boat, each boat's coverages will be listed on a separate page.

  • Coverage Limits

    This shows the maximum limit Allstate will pay for each covered accident*, for each type of coverage.

  • Deductibles

    This shows how much you will pay out of pocket for damage to your boat for each covered accident*.

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*What does "covered accident" mean? It's an insurance term that means an accident that falls within the bounds of the policy.

Please note that this website provides only a summary of boat insurance, written to illustrate in general terms how boat insurance works. Your insurance policy is the legal contract that contains the terms and limitations of your coverage. You should carefully review the contents of your policy. All products and coverages are subject to availability and limitations. Whether an accident or other loss is covered is subject to the terms and conditions of your insurance policy.

Coverage subject to terms, conditions and availability. Policy issuance is subject to qualifications. Allstate Property and Casualty Insurance Company, Allstate Fire and Casualty Insurance Company, Allstate Indemnity Company, Allstate New Jersey Property and Casualty Insurance Company. © 2021 Allstate Insurance Company, Northbrook, IL.
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