Boat & Watercraft Insurance

We specialize in finding the right boat insurance policy to protect you, your loved ones, and your watercraft, as well as your boating equipment.

Key Coverage Options:

• Navigational Area: Enjoy coverage up to 75 miles from the U.S. coastline, into Canadian and Mexican waters, ensuring you're protected wherever your adventure takes you.
• Agreed Value Coverage: Ensure you receive the insured value of your boat in the event of a total loss, minus any deductible, avoiding the depreciation concerns of actual cash value policies.
• Liability: Like car insurance, this coverage protects you from financial loss if you're responsible for an accident on the water, covering property damage, medical expenses, and more.
• Medical Payments: Covering necessary medical care resulting from a boating accident, regardless of fault, ensuring you, your passengers, and water sports enthusiasts are protected.
• Physical Damage Coverage: Repair or replace your watercraft, motor, attached equipment, and trailer if damaged or stolen.
• Uninsured/Underinsured Watercraft Bodily Injury: Protect yourself from uninsured or underinsured boaters, covering medical expenses and lost wages in case of an accident.
• Fuel Spill Liability and Wreckage Removal: Fulfill legal obligations by covering the costs of oil or fuel cleanup if your boat sinks or is seriously damaged.
• Personal Effects and Unattached Equipment Coverage: Safeguard personal belongings and equipment used primarily on your boat, including sporting gear and emergency items.
• Emergency Assistance: Receive essential services such as towing, fuel delivery, and labor if your watercraft becomes disabled on the water.