Boats & Watercraft

Boat Insurance that will help you stay afloat!

It Covers:

  • Liability and Medical Payments to Others – pays for bodily injury or property damage for which you are liable.
  • Physical Damage Coverage – pays for damage to your boat, motor and trailer.
  • Equipment and Accessories Coverage – pays for losses to equipment used with your boat, such as anchors, oars, water skis, towropes, fishing tackle, life preservers, portable lights, deck chairs and extra propellers.
  • Wreck-Removal Coverage – pays up to 10% of the physical damage limit of liability shown under the boat description of scheduled property.

Expand your boatowner protection with important additional coverages.

  • Emergency Service Coverage – will pay up to $500 for emergency towing and assistance for your boat, outboard motor and boat trailer.
  • Personal Effects Coverage – will pay for accidental loss of your personal items while used in connection with your boat.
  • Uninsured Watercraft Coverage – will pay for bodily injury damages you are legally entitled to recover from the owner or operator of an uninsured watercraft.
  • Medical Payments – will pay for accidental boating injuries sustained by you or your family members.
  • Loan Gap Coverage – In the event of a total loss to your boat, payment will be either the outstanding loan amount due or the actual cash value of the boat, whichever is greater.
  • Boatowner Plus Endorsement – includes replacement cost, emergency service, personal effects and uninsured watercraft property-damaged deductible waiver.

You may qualify for discounts on your boat insurance.

  • Loss-Free Discount – reduces your premium if you have been loss-free for the past 3 years.
  • Multi-Policy Discount – reduces your boatowner policy premium when you also insure your home and personal automobile with the same company.
  • Safety Course Discount – reduces premiums for boatowners who complete Power Squadron or U.S. Coast Guard courses.
  • Safety Device Discount – reduces your physical damage premium for fire-extinguishing systems, fume detectors, depth finders and other safety devices installed on your boat.

** YOUR POLICY MAY NOT INCLUDE ALL OF THE COVERAGES LISTED ABOVE. PLEASE CALL US OR REFER TO YOUR POLICY FOR SPECIFIC COVERAGES. **

For more information, Contact Us or call 423-926-7151.