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Boat Insurance Made Simple

Learn about the key parts of a boat insurance policy.

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About Boat Insurance Coverage

Boatowners insurance helps protect you and your family.
This section of the site summarizes common coverages.

Learn More About Coverage for Your Boat if You…

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.

At a Glance: Allstate Boatowners Coverage

The chart below summarizes key boatowners insurance coverages.

What Does it Do?
Required or Optional?

Watercraft Liability**

Helps protect you from paying repair or replacement costs, medical costs, loss of income and funeral expenses of other people involved in an accident.


Uninsured Watercraft Coverage

Helps pay for injuries you, your family or anyone on your boat sustain due to an accident with an uninsured boater.


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.


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, or if someone hits your docked boat.


Personal Effects Coverage

Helps cover your personal belongings, including fishing equipment.


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 battery


Additional Boat Equipment Coverage

Provides coverage for your boat accessories such as anchors, life jackets and navigation gear, up to policy limits.


Boat Trailer Coverage**

Covers damages associated with your boat trailer, up to policy limits.


Repair Cost Endorsement Coverage

Provides coverage for your boat, motor, boat equipment or trailer, up to policy limits.


*Coverage is subject to the policy terms, conditions and availability

** Most Common Add-Ons

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. © 2017 Allstate Insurance Company, Northbrook, IL.

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