Boat & Personal Watercraft Insurance

Protection for your time on the water — and peace of mind when the unexpected happens.

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Coverage Built for Life on the Water

Whether you’re cruising, towing, or exploring open water.

Boat and personal watercraft insurance helps protect you, your passengers, and your equipment from accidents, liability, and physical damage. Coverage typically applies whether you’re operating the watercraft yourself or allowing another qualified person to use it.

Recreational Boaters

Protection for cruising, fishing, and leisure boating.

PWC Owners

Coverage for Jet Skis, WaveRunners, and similar craft.

Water Sports Enthusiasts

Liability protection for towing skiers and wakeboarders.

Common Boat & PWC Coverages

Designed to protect people, property, and equipment.

Bodily Injury & Property Damage

Coverage for injuries or property damage caused by boating-related accidents for which you are legally liable.

Uninsured / Underinsured Boater

Protection if you’re injured by another boater who lacks adequate insurance.

Medical Payments

Helps pay medical expenses after an accident, regardless of fault.

Comprehensive Coverage

Covers damage from theft, vandalism, fire, weather, and other non-collision events.

Collision Coverage

Pays for damage caused by contact with another boat or object, regardless of fault.

Towing & Assistance

Coverage for towing and breakdown assistance while afloat or on the road.

Propulsion Coverage

Optional protection for motors, propellers, lifts, and related equipment.

Important Policy Considerations

Understanding exclusions helps prevent surprises.

  • Modified or high-performance craft may be excluded
  • Operation after dark may not be covered
  • Valid operator licensing may be required
  • Named storm deductibles often apply

Watercraft We Can Help Insure

Coverage options for a wide range of recreational vessels.

Stand-Up PWC

Single-rider craft operated while standing or kneeling.

Sit-Down PWC

Multi-passenger craft capable of towing skiers.

Boats & Watercraft

Coverage options vary by size, power, and usage.

Get Covered Before You Hit the Water

A simple process focused on your watercraft and how you use it.

1

Tell Us About Your Craft

Type, size, and intended use.

2

Review Coverage Options

Liability, physical damage, and enhancements.

3

Enjoy the Water

With coverage designed for confidence.