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Watercraft Insurance for All Types of Boats

During boating season, chances are you can’t wait to launch your vessel. As you anticipate spending an enjoyable and relaxing day on your boat, make sure you’ve protected what’s most important: personal safety and property value.

Whether you have a sailboat, fishing boat, ski boat, or some other personal watercraft, you’ve made an investment and need protection. If there is an accident, theft, or some other mishap in the water, you’ll want Liability coverage as well as reimbursement for any physical damage to the craft itself.

Besides the obvious risks associated with the use of the boat on the water, there are additional risks to consider while you’re transporting or storing your boat, trailer and valuable equipment.

What’s Included in a Watercraft Policy?

Some of the coverages included are:

  • Bodily Injury Liability Protection covers you in the case that you or a member of your household accidentally injures another person in a boating accident, and includes coverage for injuries to swimmers and water-skiers.
  • Property Damage Liability Protection provides coverage if you hit and damage a dock, or if your boat collides with and damages another boat.
  • Medical Payments Coverage pays for medical expenses resulting from injuries sustained in a covered boating accident.
  • Physical Damage Coverage for your boat, motor and trailer covers you against the costs of theft, vandalism, windstorm, hail, lightning, fire, striking a submerged object, and explosion while you are boating, launching, hauling, or storing your vessel.
  • Substitute Watercraft Coverage is an optional coverage that pays if you charter a temporary substitute watercraft for up to seven days if your own boat is unavailable due to a covered loss, and has been repaired within ten days from the date of loss.

You’ve invested a considerable amount of time, energy and money in your boat, so it makes sense to protect your investment.

This description of coverage is not an insurance contract. Your policy is the contract that specifies and fully describes your coverage. Conditions and exclusions will apply. Not all coverage described is available in all states.