Boat Coverage


A boat and personal watercraft insurance (watercraft insurance)  policy provides boaters with specialized coverage designed for your boat  or personal watercraft. Insurance options range from personal effects  replacement to fuel spill coverage, which means you can relax on the  water knowing you're protected. Tips to Choosing Watercraft Insurance  Watercraft insurance protects several kinds of boats and PWCs, which  means watercraft insurance policies can differ based on what you have.  Here are a few tips to help you find the right boat or watercraft  insurance: Look beyond your homeowners policy. Your boat or personal  watercraft may be too big or too expensive to be covered through a  homeowners policy, which means you may need watercraft insurance to  protect it. Most of our carriers accept boats up to 50 feet long and up  to $250,000 in value, as well as personal watercraft up to 15 feet long  and $27,000 in value. Even if your boat is eligible for watercraft  insurance coverage under your homeowners policy, you still may want  specialized coverages that you just can't get with a standard homeowners  policy.

Consider specialized coverage.

Watercraft  insurance coverages go beyond the scope of a standard homeowners policy  to include Roadside Assistance, which covers towing of your boat or  personal watercraft for free, as long as your trailer is covered;  On-Water Towing, in case you're stranded on the water; and Uninsured  Boaters coverage. You can also choose Fuel Spill Liability and Wreckage  Removal coverage with watercraft insurance. Without these watercraft  insurance coverages, you may end up getting stuck with the bill for  cleanups and removals. Personal Effects and Fishing Equipment coverages  are also available.

If you travel, make sure your watercraft insurance coverages go with you.

Some  insurance companies limit where you can go with your watercraft and  still be covered, or they charge you extra if you travel. With most  watercraft insurance policy, you can follow the sun because you're  covered at no extra charge on all inland lakes, rivers and navigable  waterways of the continental United States and Canada, including ocean  waters within 50 miles from the coast of the U.S. or Canada.

Think about replacement costs.

Boats  and personal watercraft depreciate just like cars do. A homeowners  policy will only pay you actual cash value for your boat or personal  watercraft, which could make it difficult to replace if it's destroyed.  With Total Loss Replacement, we'll replace your boat or personal  watercraft with a brand new model if the loss is within the first five  model years. We also offer Agreed Value coverage no matter how old your  boat is.

Look for loyalty rewards.

Some of our carriers offer multi-policy discount when you have other coverage with them.

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Contact us for more information!