Boat Insurance

Boat Insurance

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Boat insurance helps protect you, your passengers, and your watercraft from unexpected losses while on the water or in storage. Whether you own a fishing boat, pontoon, sailboat, jet ski, or cabin cruiser, the right coverage ensures you’re protected from accidents, weather events, and liability risks. Boat insurance typically covers damage to your vessel, liability if you injure someone or damage their property, and several optional extras that provide added peace of mind.

What Boat Insurance Typically Covers

1. Physical Damage to Your Boat

Protects your boat from damage caused by events such as:

• Collisions with other boats or objects

• Storms, wind, hail, or lightning

• Theft or vandalism

• Accidents while the boat is being trailered
  This may include the hull, motor, anchors, electronics, and permanently attached equipment.

2. Liability Coverage

Covers injuries or property damage you may cause to others while operating your boat. This helps pay for:

• Medical bills

• Legal fees

• Property damage

• Accident-related settlements

3. Medical Payments

Provides coverage for medical expenses for you and your passengers, regardless of who is at fault.

4. Uninsured / Underinsured Boater

Protects you if another boater causes damage or injury but doesn’t have enough insurance to cover the loss.