Boat Insurance



Accidents on the water are more common than you might think. In 2018, the U.S. Coast Guard counted 4,145 accidents, involving 633 deaths, 2,511 injuries and approximately $46 million dollars of damage to property as a result of recreational boating accidents. You can’t always see an accident coming. However, you can have a plan for how you’ll manage if something does happen. Part of this plan should be insurance.

What does Boat Insurance cover?

Boat insurance helps you enjoy peace of mind as you navigate your boat or personal watercraft (PWC). So if you travel across lakes, rivers, or ocean waters of the United States, boat Insurance covers:

  • Damage to your boat including hull, sails, machinery, and more.
  • New boat replacement
  • Fuel spill liability

Why Purchase Boat Insurance?

If you don't have a separate boat or PWC insurance policy, you're probably underinsured. Most homeowners policies have:

  • Size restrictions
  • Limitations on horsepower
  • Limits on damage coverage