Boat
Whether you own a personal watercraft, small ski boat, fishing boat, or a 26-foot cruiser, knowing that your covered should give you the peace of mind to relax and enjoy every nautical mile.
Here are a few things to consider:
- If you're in an accident or your watercraft is stolen, it can be quite expensive to fix or replace it.
- If you or any passengers are injured in an accident, medical costs can be costly.
- If your watercraft is responsible for damage or injury to others, you may be sued.
- If you are injured by an uninsured boater, uninsured watercraft coverage will provide coverage for you.
Click each item below for more information.
Coverage
Your watercraft needs protection on the water and on land, with coverage for you, your guests and your boat. Thinking of buying a boat, check with us to see what will cost to insure it.
Links
FAQ
Click on each question below to read the answer.
Q. How much should I insure my boat for?
A. You should insure your boat for the amount it would cost you to replace it with like kind and quality. This is called "Agreed Value" or "Stated Value" coverage, and in the event of a total loss, will pay the full insured amount.
Q. What other coverages can I expect with my policy?
A. Medical Payments, Personal Effects, Uninsured Boaters Liability and Towing Assistance are all available on the Watercraft policy.
Q. Who is allowed to operate my boat?
A. Many policies will allow anyone to operate your boat so long as you have given them permission. There are exceptions, of course, so ALWAYS READ YOUR POLICY.
