Enjoy the water - covered.

When you have peace of mind that your boat is covered, you will enjoy the water even more. We can help you navigate your coverage options. Get started by clicking above to get a quote for quick, accurate and affordable rates!

 
 
 

Things to consider and questions to ask:

Here are a few things to consider as you prepare for the discussion:

  • How much can you afford for an accident, damage or theft of your boat?

  • Can I use my covered boat or watercraft year-around?

  • What is the availability of discounts and similar programs?

  • How much medical and liability insurance do I need?

  • If I need to have my boat towed in an emergency, will it be covered?

  • How does the claim filing and settlement process work?

  • Does the insurance carrier have good customer service? Do they pay claims fairly and promptly?

Limited coverage for personal watercraft may be provided by home and auto insurance policies. Discuss these coverage limits with your insurance representative. You may wish to buy your own watercraft policy for protecting your watercraft and yourself in case of an accident.

A personal watercraft policy covers:

  • Guest passenger liability

  • Damage of property

  • Physical injury

  • Theft

  • Medical payments

Liability limits start at $15,000 and can go up to $300,000.

Typical policies include a $250 property damage deductible, a $500 deductible for theft and $1,000 deductible for medical payments.

Further coverage for trailers and other accessories can also be purchased.

Discuss the type of boater’s insurance coverage you need with your insurance agent. Start with a quote below!