Watercraft insurance works much like auto or motorcycle insurance—it’s designed to help cover losses on and off the water. Depending on your needs, your policy may include:

• Physical Damage – Covers repairs or replacement if your boat or PWC is damaged by a collision, storm, theft, or vandalism

• Liability Coverage – Helps pay for injuries or damage you cause to others while boating

• Medical Payments – Helps cover medical bills for you and your passengers after an accident

• Uninsured/Underinsured Boater – Protects you if you're hit by someone without enough insurance

• Towing & Assistance – Pays for on-water towing, fuel delivery, or breakdown help

• Trailers and boat transport equipment

• Fishing gear and personal belongings

• Environmental damage (e.g., fuel spills)

• Hurricane haul-out (for coastal or vacation properties)

• Accidents Happen—Even to Experienced Boaters
  Whether it’s a hidden rock, a slick dock, or another boat, one mistake can lead to costly repairs—or worse. Watercraft insurance helps you bounce back faster and avoid major out-of-pocket costs.

• Liability Coverage Protects Your Assets
  If you accidentally injure someone or damage a dock, the financial fallout can be steep. A strong liability policy helps cover legal fees, settlements, and medical expenses.

• Your Homeowners Policy Likely Isn’t Enough
  Many homeowners' policies offer only limited protection for small boats. If your watercraft is motorized, fast, or over a certain value, it probably needs its own policy.

• Theft and Vandalism Are Real Risks
  Boats and personal watercraft are common targets, especially when left unattended on trailers or at marinas. Insurance helps you recover quickly if yours is damaged or stolen.

• Storms and Floods Don’t Give Warnings
  From flash floods to wind damage, weather can wreak havoc. Comprehensive coverage protects your boat from natural disasters, and in some cases, even helps with storm prep.

• Marinas or Lenders Might Require It
  If your boat is docked or financed, you may need proof of insurance to meet their requirements. We’ll make sure you’re covered properly and affordably.

If you own any of the following, we recommend a watercraft policy:

• Fishing boats or pontoons

• Speedboats or deck boats

• Jet Skis, Sea-Doos, and WaveRunners

• Sailboats and yachts

• Trimarans or other recreational vessels