Boat Insurance Made Simple

Watercraft Liability: can help protect your assets

Watercraft Liability helps protect you from paying medical costs, loss of income and funeral expenses of other people involved in an accident. It also helps protect you from paying for repair or replacement of another operator's boat or property:

What's covered?

• If you are responsible for property damage due to an accidental fuel spill, Watercraft Liability coverage can help pay for those damages.
• If you injure someone in an accident, Allstate can help protect you from losing your savings or home to pay for those damages.
• If you damage another person's boat or other property in an accident, Allstate can help protect you from paying for those damages.

Who's covered?

• You (the policy owner)
• Any resident in your home
• Anyone you give permission to use your watercraft (for Watercraft Liability and Watercraft Medical Payments coverage only)

Which boats are covered?

• The boat(s) listed on your Policy Declarations or any boat you replace it with
• Any boat you operate while yours is being repaired due to an accident
• Any boat you rent or borrow

Uninsured Watercraft Coverage: available to protect you from boat operators with no insurance

There are a lot of boat operators out there who may not have insurance. What if one of them damages your watercraft? Uninsured Watercraft Coverage can help.

If you are hurt in a boating accident by a boat operator with little or no insurance, and you have Uninsured Watercraft Coverage, Allstate will help pay for medical expenses.

Watercraft Medical Payments Coverage: can also help pay for your injuries from an accident

If you're in an accident, whether it's your fault or someone else's, paying for medical care can be a concern. That's where Watercraft Medical Payments Coverage comes in.

If you're injured in a boating accident, Allstate can help pay for medical services you receive within three years of the accident.

Your coverage may include hospital bills, surgeries, x-rays, dental, pharmaceuticals, nursing services and more due to an injury from a boating accident.

Your Property Coverage*: can help to repair or replace it so you can get back to boating again quickly

It also typically pays for damage or loss to your boat caused by something other than a collision, such as theft, fire, vandalism, windstorm or hitting an animal.

If your boat is in an accident, Your Property Coverage can help pay for the repair or replacement of your boat.

For this coverage, you may be responsible for the deductible amount you've selected.