Navigational Area

    • Know where you are covered in the water. Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.

Agreed Value Coverage

    • Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.


    • Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

Medical Payments

    • Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

Physical Damage Coverage

    • Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

Uninsured/Underinsured Watercraft Bodily Injury

    • Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

Fuel Spill Liability and Wreckage Removal

    • Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

Personal Effects

    • Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state. Personal effects coverage does not include jewelry, watches or furs.

Unattached Equipment Coverage

    • This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

Emergency Assistance

    The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Here’s an example of the information we use to gauge your needs and the appropriate boat or yacht insurance policy for your situation:

  • Do you have a survey of your boat/yacht?
  • What is the value for the hull?
  • Where do you navigate your boat?
  • Where to you keep you boat?
  • Who captains your boat?
  • What experience do they have?
  • Do they have a valid driver’s license?
  • What time of year do you use your boat?
  • Where is it stored when you are not using it?
  • Who services your boat?
  • Do you have an engine on your boat if yes year, make, model, value, gas or diesel?
  • Do you have a hybrid boat or an electric boat?
  • Do you use your boat for towing sports skiing, tubing, Knee boarding?
  • Do you have a trailer? If yes year, make, model and value?
  • Do you have a dinghy? If yes year, make, model, engine hp, year make model and value of both?
  • Is your boat wooden or fiberglass?
  • Do you charter your boat? If so how often and do you use a charter broker?