You need boat insurance for many reasons. Boat insurance covers loss or damage to your boat and helps protect you financially for injuries or damage caused by covered mishaps. In addition, liability coverage can help protect you if you cause injury to others or their property while using your boat. Medical payments coverage provides reimbursement for injuries to you and your guests. Boat insurance even covers on-water towing.

Get basic boat insurance coverage with protection for which other carriers may require additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing reimbursement, fuel spills and dinghy coverage.

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Uninsured Boater Coverage

This provides coverage for incidents when another boater may not have insurance coverage. As long as you've chosen sufficient limits on your policy, uninsured boater coverage can help cover your medical bills and bodily injury resulting from an accident with someone who does not have insurance. Coverage extends to you, your family and your passengers. The requirement for uninsured boater coverage varies by state.

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Flexible Coverage Options

You choose between agreed value or actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.

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Towing and Assistance Reimbursement

Get reimbursed for transportation of your boat to a repair facility when it’s inoperable, as well as for gas delivery and roadside assistance.

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Personal Property Coverage

Protects personal property on the boat including but not limited to fishing equipment, clothing and boating-related equipment such as life vests.

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Physical Boat Damage Coverage

This coverage provides protection in the event of a collision such as with a submerged object or another boat.

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Liability Coverage

This helps cover costs of bodily injury or damage to the property of others.