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Boat / Personal Watercraft Insurance

Your coverage options

As your Independent Insurance Agent, we can tailor your policy to fit your needs and budget.

Protecting yourself

Liability : If someone is hurt or their property is damaged in an accident, your liability limits will help pay for covered damages and expenses, including court costs if you are sued

Medical Payments Protection : For accident related medical expenses up to the policy limits for anyone injured while in your boat, regardless of who's at fault. 

Uninsured/Underinsured Motorists : If you're injured in an accident caused by someone with minimal or no insurance, your Uninsured/Underinsured Motorists coverage will protect you and any passengers in your boat up to your policy limit.

Protecting your car

Collision : This coverage protects your boat if it's damaged from hitting another boater or object.

Comprehensive : This coverage protects your boat from theft, vandalism, fire, or severe weather events such as windstorms, hail or flood.

How your deductible works

A boat insurance deductible is what you pay out of pocket to repair your boat if you have an accident or claim.


For example, if you have a $500 deductible and $2,000 in repair costs, you'll pay $500 and your insurance company will pay the remaining $1,500.


You have a choice of deductible amounts; choosing a higher deductible lowers your insurance rate but requires a greater out-of-pocket expense should you have an accident.

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Outdoor Activity

Looking for Boat Insurance Discounts?

Dollar Bill in Jar

If you bundle your policies you receive a discount, but there is so much more than bundling... 

  • Paperless or E-Documents

  • Paid in Full

  • Automatic Payments

  • Advanced Quote

  • Continuous Insurance

  • Safe Driver

  • Claims Free

  • Violation Free

  • Boat Safety Course

  • Boat License

  • The more policies you bundle, the more you save!

Making the process easier

Total Loss Replacement : If you purchase this additional protection, your boat will be replaced with a brand new one of similar make & quality.

Sign & Glide Coverage : Help comes to you if you're stranded on the water and need fuel, a jump or tow with no out of pocket costs!


Replacement Cost Personal Effects : If you purchase this additional coverage, your personal items such as cameras, clothes, cell phones etc are protected while on your covered boat.

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