Boat & Watercraft Insurance

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    Coverage for your greatest adventure

    Boat/Watercraft Insurance

    Coverage for your greatest adventure

    There’s just something about being on the water. Smooth as glass to white-capped waves, the unpredictability makes every outing a true adventure. Whether you’re sailing, jet skiing or fishing for the season’s finest, ensure your watercraft is protected against anything Mother Nature (or other boaters) may have in store.

    Why You Need It:

    Boat insurance isn’t mandatory in most states, but this doesn’t mean it’s any less valuable than other insurance policies are. Much like auto and motorcycle coverage, boat insurance offers protection for damages and medical expenses.

    Boat insurance typically includes:

    • Liability: provides coverage for property damage and injury to third parties
    • Physical damage: comprehensive and collision provides coverage for accidents, theft, fire and falling objects, among others
    • Medical payments: provides coverage for medical expenses for you and your passengers following a boating accident
    • Emergency assistance: provides coverage for services like towing and gas delivery when stranded in the water

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    Boat Watercraft Insurance

    Boat/Watercraft Insurance FAQs

    Boat insurance is not required by law in all places, but it is highly recommended. If you have a financed boat or if you dock it at a marina, your lender and/or marina often requires insurance.

    Boat policies are very flexible and can cover most watercraft, including powerboats, sailboats, yachts and jet skis. However, there are multiple ways that you can ensure your boat including adding coverage to your homeowners policy. The type, length, power, etc. will determine the correct type of policy/coverage. Make sure to talk to your licensed QuoteSavant expert about your options.

    Boat insurance typically includes:

    Physical damage coverage for: damage caused by accidents or storms.

    Liability coverage for: bodily injury and property damage you may cause, medical payments.

    Uninsured boater if: you are involved in an accident with another boater who has insufficient or no insurance.

    Personal property coverage for: personal belongings on the boat, such as fishing equipment, navigation devices and personal items.

    Small watercraft may be covered under homeowners insurance, but it’s essential to check your policy. If you have a more substantial investment in watercraft or if your homeowners policy doesn’t cover it, separate boat insurance may be advisable.

    Coverage areas can vary, so you should verify with your licensed QuoteSavant expert. In most cases we can find a policy that will provide coverage for the bodies of water where you would like to use your boat. Some policies may have navigational limits, so if you plan to take your boat to international waters, it is important to let us know.

    Some boat insurance policies offer coverage for living aboard, but you should discuss your specific living situation with your licensed QuoteSavant expert to ensure you have the appropriate coverage.