Watercraft Insurance

Watercraft insurance provides protection for boats, jet skis, and other personal watercraft against damage, theft, and liability. Whether you own a fishing boat, pontoon, sailboat, or personal watercraft (PWC), this specialized coverage helps safeguard your investment both on and off the water. It’s designed to cover physical damage to the vessel, liability for injuries or property damage, and even towing or fuel spill cleanup in certain cases.

Why do you need it?

While some homeowners policies offer limited boat coverage, it usually doesn’t extend far, especially for larger or faster boats. Watercraft insurance fills that gap by offering comprehensive protection tailored specifically to marine risks. Accidents on the water can be just as costly as those on the road, and liability claims can quickly add up. Whether you're cruising the lake, fishing offshore, or towing water skiers, the right coverage ensures you're protected from financial loss, legal exposure, and unexpected setbacks.

What does it cover?

A standard watercraft insurance policy may include:

Physical Damage Coverage – Repairs or replaces your boat if it's damaged by collision, fire, weather, vandalism, or theft.
Liability Coverage – Protects you if you cause injury to others or damage someone else’s property while operating your boat.
Medical Payments – Covers medical expenses for you and your passengers, regardless of fault.
Uninsured/Underinsured Boater – Helps if you're hit by someone who doesn't have adequate insurance.
Towing and Assistance – Covers on-water towing, emergency fuel delivery, and jump starts.
Personal Effects Coverage – Protects items like fishing gear, electronics, and life jackets onboard.

Policies can be tailored based on the type, size, speed, and usage of the watercraft including inland, coastal, or offshore navigation.