Watercraft Insurance

Your boat is a moving vehicle, like an automobile, a moving vehicle that can cause bodily injury and property damage to others. When you buy insurance, you receive financial protection in case you become involved in an accident. You also make sure a person injured through your fault will recover for losses you cause.

A Homeowners policy typically only covers small boats. 

The amount of coverage offered is significantly less than what you would get with a boat insurance policy.


Boat insurance coverage options:

Collision Damage

Covers repair or replacement of your boat in the event of a collision.

Property Damage Liability

Covers damage caused to someone else’s boat, dock or other related property or structures.

Body Injury Liability

Covers you in the event that you are sued for injuring another person in a boat accident.


Covers you in the event your boat is damaged, stolen or vandalized in an incident other than a collision.

Does your current policy cover you for pollution?

Many boat policies do not. If there is a mistake with a gas pump at the marina you will have a large expense for environmental cleanup.

Is towing coverage included in a boat insurance policy?

An advantage to having a separate boat insurance policy is that towing coverage is often included. Towing covers the expense of dead batteries or running out of fuel, which can cost $300-$400 minimum. Not to mention if you are having engine trouble and need a longer tow, the prices only go up.

Towing coverage limits should be determined by where you do most of your boating. If you do most of your boating close to port, you might not need as much coverage. If you travel greater distances with your boat, you should increase your limits significantly to account for those longer tows.

There are numerous ways to save money on your boat insurance. Taking a boating class or boating safety education course can save you money.
Talk to us to find out which courses apply.

There’s nothing quite like taking a Jet Ski out for a spin.


The spray of the water and wind isn’t quite like anything else. While the freedom and thrills you can experience while riding your Jet Ski can be an awful lot of fun, it’s important to take the proper steps to make sure you are covered.

In 2017, around 18% of all boating accidents occurred on personal watercrafts like Jet Skis. Personal watercraft insurance offers protection from expenses that could come from accidents, theft, vandalism, or other hazards.

 Insurance costs can vary on a variety of different factors including but not limited to:

Year, make and model of the Jet Ski

Horsepower, engine type and maximum speed

Market Value

Whether it has any modifications

Policy and vehicle coverage amounts

Where it is stored

How it is used

Our agents will find you the right coverage for the right price so you can get out on the water and have some fun!

These definitions provide a brief description of the terms and phrases used within the insurance industry. These definitions are not applicable in all states or for all insurance and financial products. This is not an insurance contract. Other terms, conditions and exclusions apply. Please read your official policy for full details about coverages. These definitions do not alter or modify the terms of any insurance contract. If there is any conflict between these definitions and the provisions of the applicable insurance policy, the terms of the policy control. Additionally, this informational resource is not intended to fully set out your rights and obligations or the rights and obligations of the insurance company, agent or agency. If you have questions about your insurance, you should contact your insurance agent, the insurance company, or the language of the insurance policy.