Relax on the water knowing you have the protection you need with specialized coverage designed for your boat or personal watercraft. Additional options include coverage from personal effects replacement to fuel spill coverage.
Your boat may be too big or too valuable for coverage through your homeowners policy. Even if it is covered, you may want specialized coverages that you just can’t get with a standard homeowners policy.
Some insurance companies limit where you can go with your boat and still be covered, or they charge extra if you travel. With a separate boat policy, you will be covered while operating your boat in all inland lakes, rivers and navigable waterways of the continental United States and Canada, including ocean waters up to 50 miles from their coasts.
Boats depreciate just like cars do. A homeowners policy pays only actual cash value, which could make it difficult to replace your boat if it’s totaled. Options are available for total replacement cost for boats less than 5 years old and agreed value for older boats.
Coverage available for Boats and Personal Watercraft include:
- Bodily injury and property damage liability
- Uninsured boater
- Medical payments
- Comprehensive and collision options
- Personal effects replacement
- On-water towing and labor coverage service
- Roadside assistance
- Fishing equipment
- Fuel spill liability
- Wreckage removal
- Mexico physical damage
- Water sports
- Navigational area