Secure Your Boat with Comprehensive Coverage
Affordable Boat Insurance Tailored for You
Protect your investment with customized boat insurance plans that cater to your specific needs. Whether you own a sailboat, fishing boat, or jet boat, our coverage options ensure peace of mind on the water.
Total Loss Replacement
Receive a new-for-old replacement or a comparable model if your boat is a total loss.
Uninsured Boaters Coverage
Safeguard against accidents with uninsured boaters by covering medical expenses and more.
Agreed Value Coverage
In case of a total loss, receive the appraised value or the original purchase price of your boat.
Essential Features of Our Boat Insurance
Comprehensive Protection
Our policies cover a wide range of risks, ensuring your vessel is protected from bow to stern.
Flexible Deductibles
Enjoy reduced deductibles for each claim-free renewal period, making your insurance more affordable over time.
Explore Our Coverage Options
Boat Insurance Services
On-Water Towing and Labor
Get reimbursed for towing and labor expenses incurred on the water, keeping you afloat without worry.
Actual Cash Value
Compensation based on the current market value, age, and condition of your boat at the time of loss.
Disappearing Deductibles
Benefit from a 25% reduction in deductibles for each claim-free period, rewarding safe boating practices.
Specialty Coverages
Tailored options for unique boats like houseboats and jet boats, ensuring all your needs are met.
Liability Coverage
Protect yourself from legal liabilities arising from accidents or damage caused by your boat.
Medical Payments Coverage
Cover medical expenses for injuries sustained by you or your passengers during a boating accident.
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Boat Insurance FAQs
Understanding boat insurance can be complex, but we're here to simplify it for you. Below are some common questions and answers to help you navigate your options.
What types of boats can be insured?
We offer insurance for a wide range of watercraft, including jet boats, sailboats, fishing boats, and houseboats. Each policy is tailored to meet the specific needs of your vessel.
Why do I need boat insurance?
Boat insurance protects you from financial loss due to accidents, theft, or natural disasters. It also covers liability in case of injury or damage to others.
What is Total Loss Replacement?
Total Loss Replacement ensures that if your boat is completely lost, it will be replaced with the latest model or a comparable one, providing peace of mind and financial security.
How does Uninsured Boaters Coverage work?
This coverage pays for your medical expenses and other damages if you're involved in an accident with a boater who lacks liability insurance.
What is Agreed Value Coverage?
Agreed Value Coverage pays you the full insured amount for your boat in the event of a total loss, without depreciation deductions.
Are there discounts for claim-free renewals?
Yes, we offer disappearing deductibles, which reduce your comprehensive and collision deductibles by 25% for each claim-free renewal period.
What does On-Water Towing and Labor cover?
This coverage reimburses you for towing and labor costs if your boat breaks down on the water, ensuring you're never stranded.
How is the Actual Cash Value determined?
The Actual Cash Value is based on the market value, age, and condition of your boat at the time of loss, ensuring fair compensation.
Can I customize my boat insurance policy?
Absolutely! Our policies are flexible and can be customized to include additional coverages that suit your specific needs and lifestyle.