A Boat insurance policy provides boaters with specialized coverage designed for your boat or personal watercraft. With options from personal effects replacement to fuel spill coverage, you can relax on the water knowing you have the protection you need.
Your boat may be too big or too expensive to be covered through a homeowners policy. Even if your boat is eligible for coverage under your homeowners policy, you still may want specialized coverages that you just can’t get with a standard homeowners policy.
Some insurance companies limit where you can go with your boat and still be covered, or they charge you extra if you travel. With a separate boat policy, you can be covered while operating your boat in all inland lakes, rivers and navigable waterways of the continental United States and Canada, including ocean waters within 50 miles from the coast of the United States or Canada.
Boats depreciate just like cars do. A homeowners policy will only pay you actual cash value for your boat, which could make it difficult to replace your boat if it’s destroyed. Options are available for total replacement cost for boats less than 5 years old and agreed value for older boats.
Coverage available for Boats and Personal Watercraft include:
• Bodily Injury & Property Damage Liability
• Uninsured Boater
• Medical Payments
• Comprehensive & Collision Options
• Personal Effects Replacement
• On-Water Towing & Labor Coverage Service
• Roadside Assistance
• Fishing Equipment
• Fuel Spill Liability
• Wreckage Removal
• Mexico Physical Damage
• Water Sports
• Navigational Area