Boat Owners Insurance

Boat insurance provides financial protection for your boat, its owner, and passengers in the event of loss or damage. This coverage applies to all types of motorized water vehicles, including fishing boats, pontoon boats, yachts, and jet skis.

Boat Insurance Coverages

Liability Coverage: Pays for injuries and property damage to others resulting from a covered accident where you are found legally responsible. This may also include pollution liability and wreckage removal, depending on your policy. Collision Coverage: Covers damages to your boat, motor, trolling motor, trailer, and some permanent or portable boating equipment from a covered accident with another boat or object.
Liability Coverage: Pays for injuries and property damage to others resulting from a covered accident where you are found legally responsible. This may also include pollution liability and wreckage removal, depending on your policy. Comprehensive Coverage: Protects your boat, motor, trolling motor, trailer, and some permanent or portable boating equipment from damage caused by events other than collisions, such as fire, theft, or storms.
Uninsured/Underinsured Boater Coverage : Covers bodily injury and property damage to you and your passengers if you are involved in an accident with an uninsured or underinsured boater, or in some cases, a hit-and-run boater. Medical Payments: Pays for medical expenses incurred by you or your passengers due to injuries while operating or riding in your boat.
Uninsured/Underinsured Boater Coverage : Covers bodily injury and property damage to you and your passengers if you are involved in an accident with an uninsured or underinsured boater, or in some cases, a hit-and-run boater. On-Water Towing and Labor Coverage : Covers towing expenses and emergency services if your boat becomes disabled on the water, up to pre-defined limits.
Fishing Equipment Coverage: Provides protection for damage to fishing gear while onboard or during loading/unloading from your insured boat. Personal Effects Coverage: Pays for the replacement cost of your personal property lost or damaged while onboard your boat or being carried on or off your insured boat.

Contact us to learn more about finding the right boat insurance for you.