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What can boat insurance cover?
- PowerboatsPowerboats use inboard engines or outboard motors and reach high speeds quickly. Our powerboat coverage can protect your watercraft from the unexpected.
- Bass and Fishing BoatsFishing boats with an electric or outboard trolling motor, rod lockers, casting decks, pedestal seats and live wells.
- Personal WatercraftCommon PWCs include Jet Skis, Sea-Doos, WaveRunners and similar vessels designed for one to three people. View the coverage for more details.
- SailboatsBoats that use at least one sail for power and may have a motor as an additional power source.
- YachtsRecreational sailing or power watercraft between 40 to 54 feet long with berths for sleeping and kitchen facilities. Yachts over 54 feet long are not eligible.
- HouseboatsHouseboats are typically larger, slow-moving boats. They're equipped with a kitchen, bathrooms, bedrooms and a common area.
- Non-Motorized BoatsOur customizable coverage protects non-motorized vessels, such as canoes and kayaks, from the unexpected. Get peace of mind for all your water adventures.
- Boat Equipment CoveragePhysical damage coverage protects up to $3,000 for watercraft equipment and accessories. You can also buy more boat equipment coverage with limits up to $100,000.
- Repair Cost CoverageThis coverage helps you repair your boat, motor or boating equipment if you suffer a partial loss with no depreciation deduction. Coverage starts at $3,000.**
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The information on this web page represents only a brief description of coverages and may or may not be part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. (Discounts may only apply to auto and property policies.) Please check with your agent and read the policy for exact details on coverages and exclusions.
* Discount and savings amounts and product eligibility will vary by state, property type, policy form and company underwriting the auto and/or homeowners policy. Discounts may not apply to all coverages on an auto or property policy. Discounts do not apply to a life policy. Some restrictions may apply.
**Refer to your policy documents for coverage limit details. Coverage applies to covered losses only after your individual property & coverage specific deductible(s) has been met. Please speak with your agent to learn more about your coverage options.