Watercraft Insurance

Does homeowner's insurance cover your watercraft?

A homeowner policy provides some, but very limited, coverage for watercraft. Refer to your actual policy for details considering both liability and property damage limits/exclusions.   

Typically, if you think you need insurance on a watercraft that you own, you probably do (beyond a row boat).  

In other words, if you don't carry a specific boat insurance policy, you are probably underinsured, which can make for troubled waters if you lose control of your craft, sustain damage or sink, or a guest causes an accident.

What boat insurance covers—and what’s optional...

The most important thing we cover are the things that are important to you. Typical coverages should include:

  • Personal liability
  • Boat
  • Motor
  • Trailer
  • Medical and physical damage perils

And we provide insurance for the following types of boats and personal watercraft:

  • Runabout
  • Mini Jet Boat
  • Sailboat
  • Pontoon
  • House Boat
  • Cabin Cruiser
  • Other Fishing Boat
  • Bass Boat
  • Many others, let’s talk

Boat insurance discounts spoken here

We also work with carriers who provide multiple boat insurance discounts, which reduces the cost but gives you the exact same high-quality coverage. Here are just a few ways you may be able to save, including if you ...

  • Own your home
  • Have idle assisted steering installed
  • Insure multiple vessels
  • Bundle other kinds of insurance
  • Are the original owner
  • Paid your policy in full each year
  • Have a clean automobile driving record
  • Have a safety course certification

There are even more ways to save on boat insurance, but the only way to truly determine the best policy for you is to have a quick chat about your needs and the amount of protection for income and assets that you will require.

Request Your Insurance Proposal!

Click below to complete our short form with your specifics.  We will provide you with a Free/No-Obligation Proposal for your boat or personal watercraft! We represent multiple companies that specialize in this area to provide you with the best value for your insurance dollar. 

Get Started!