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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

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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

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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. 

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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

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

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

How your deductible works

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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.

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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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