Boat & Watercraft Insurance

Boat insurance will allow you and your agent to design a policy with the right coverages for your needs.

Medical payments

Will pay for covered medical or funeral expenses for bodily injury caused by a covered accident involving your boat or personal watercraft.

Uninsured/underinsured boaters

This boat and personal watercraft insurance coverage protects against covered bodily injury to you or other watercraft occupants due to an accident caused by an uninsured, underinsured or unidentified boater.

Physical damage coverage

This pays to repair or replace your boat after a covered loss. You have several options for covering your personal watercraft:  Actual Cash Value, Agreed Value, or Replacement Cost. Your rates are calculated on 12 months of coverage assuming seasonal use.

Liability to others and the environment

Liability provides "third party" coverage for bodily injury and property damage as the result of a covered accident involving your boat or personal watercraft.

Rental reimbursement

You'll be reimbursed for your covered expenses incurred while renting a substitute watercraft when your boat or personal watercraft sustains a covered loss.

Fishing equipment

Protection for covered rods, reels, lures, tackle boxes, electronic gear and any equipment used for recreational fishing, up to selected limits while on board an insured boat.

Personal effects

This endorsement for your boat and personal watercraft insurance covers personal property, water sports equipment and boat lifts and hoists.

On-water towing and labor

Coverage pays for towing a disabled boat back to dry land, or emergency assistance when a covered watercraft is disabled while afloat.

Roadside emergency service

Should your boat towing vehicle or trailer become disabled, the covered expenses for towing your pleasure boat to the nearest qualified repair facility are covered.