Watercraft & Boat Insurance — Coverage Built for the Water
Your homeowners insurance policy likely does not fully cover your boat. Most homeowners policies place strict restrictions on watercraft based on size and horsepower — leaving many boat owners significantly underinsured without a dedicated boat insurance policy.
What Does Boat Insurance Cover?
A proper watercraft policy typically includes:
- Personal liability — if you injure someone or damage another vessel
- Boat and motor — damage to your watercraft and engine
- Trailer — coverage while trailering to and from the water
- Medical payments — for you and your passengers after an accident
- Physical damage perils — collision, fire, theft, and weather
What Types of Watercraft Can We Insure?
We provide coverage for a wide range of boats and personal watercraft, including:
- Runabouts and bass boats
- Pontoon boats and cabin cruisers
- Sailboats and houseboats
- Mini jet boats and other fishing boats
Boat Insurance Discounts Available
We work with carriers that offer meaningful discounts. You may qualify if you:
- Own your home
- Bundle with other insurance policies
- Insure multiple vessels
- Are the original owner of the boat
- Pay your policy in full annually
- Have a clean driving record
- Have completed a boating safety course
- Have idle-assisted steering installed
Updated June 2026 by Christy Hogan