Boat and Yacht Insurance Popular Coverage
Bodily Injury Liability
This will cover you if you’re in a boat accident and are held liable for injuring others.
Property Damage Liability
Pays to repair or replace any watercraft, object or other property you damage while boating, this includes legal expenses if you’re sued.
Coverage that will help pay for you and your passengers’ medical bills if you’re in an accident or someone is hurt on your boat.
If you’re involved in accident with a boater whom has no insurance or not enough insurance, this coverage will pay for what the boater is liable for (up to your limits).
Full Replacement Cost
This coverage helps pay to return your watercraft to its pre-accident condition or better if you carry comprehensive and collision coverage.
Fuel Spill Protection
Oil spills & fuel spills that you’re legally responsible for will be covered under this coverage option.
This will cover the cost to raise, remove and/or destroy wreckage caused by your boat/yacht sinking.
If your tow vehicle or trailer is damaged or disabled, roadside assistance will tow you to the nearest qualified repair facility at no additional cost.
Water Sports Coverage
This will pay for injuries or damages caused from tubing, knee boarding, wake boarding and other similar activities. This does not cover parasailing, kite boarding or any other activities in which someone is pulled through the air.
Increased Limits on Liability
This will allow you to add additional limit cost to your liability coverage.
Total Loss Replacement
The coverage will vary depending on the make/model of your boat/yacht, however, this coverage will pay you what it cost to buy a brand-new boat/yacht if you suffer from a total loss.
When your boat is disabled or broken down on the water, boat towing insurance pays for on-water towing, jump starts, and fuel delivery.
Replacement Cost Personal Effects
This coverage helps pay for the cost of personal effects if the item is incapable of being repaired; such as clothing, sunglasses, phones, etc.
If you own expensive fishing gear, this coverage will provide you with additional cash to purchase new equipment.
Boat and Yacht Insurance Discounts
Earn a discount when you go without filing a claim over a specified period of time, this will vary depending on the insurance provider you choose.
Our insurance providers will adjust the rate to reflect your boating experience.
Diesel Fuel Engine
Get a discount when you own a diesel-powered boat.
You can save money on your boat insurance when you have multiple policies with the same insurance carrier. We will set you up with a provider that offers your required coverage at the best cost.
Boating Safety Course
Complete an approved water safety course and earn savings.
Buy in Advance
Purchase your policy at least one day in advance to earn a discount.
Pay in Full
Receive more affordable boat insurance rates when you pay your premium in full.
Safety Device Discount
Earn a discount when your boat is equipped with safety devices such as, automatic fire extinguisher equipment, an alarm system, a central station monitoring system, and more.