Watercraft Insurance

There’s nothing like being on the water in a boat you call your own. Whether it’s your boat, yacht or personal watercraft, ensure your vessel and everyone on board is safe when you hit the water. Our customizable watercraft insurance policies are sure to be tailored to you and your boat.

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    Watercraft Insurance That Fits Your Needs

    Coverage Options

    Watercraft insurance protects you against financial loss if you have an accident in your motorboat, jet ski, pontoon, sailboat, or any other watercraft. It protects theft, damage to your watercraft, and covers any medical costs relating to a watercraft accident. Ensure that the vessel you’re passionate about is covered, on and off the water, and that you are safe while riding the waves.

    Policy Highlights 

    • Protect your vessel against theft.
    • Cover your medical costs relating to an accident on the water.
    • Get coverage for damage caused to your vessel.
    • Gain access to emergency roadside and on-water services.
    • Insure fuel or oil spill cleanup costs.

    Frequently Asked Questions

    Is watercraft insurance required?

    Not all states mandate watercraft insurance, but it is highly recommended for anyone who has a vessel on the water. Ensure you and your boat are protected in case of an on-water accident or damage to your watercraft by choosing from many of our specialized watercraft coverage plans.

    What does watercraft coverage include?

    Watercraft insurance is an umbrella term for three types of insurance: boat insurance, yacht insurance, and personal watercraft insurance. It protects against damages to vessels on-water in any incident. Request a free quote today to learn how we can help personalize your watercraft insurance so that you are covered in the right areas.

    How much does watercraft insurance cost?

    On average, boat insurance costs a few hundred dollars, but the cost will differ depending on several factors: your type of motor, its length, year, make, & model, the horsepower of the boat, safety measures and certifications you’ve been awarded, and your record of boat insurance claims.

    Is my boat covered under my homeowners insurance?

    Some homeowners’ policies will provide minimal coverage for certain watercrafts – usually only for small boats (canoes, sail boats, or power boats with less than 25 total horsepower). Even then, coverage for watercraft under homeowner’s insurance is extremely limited.