Boat Insurance

Coverage Types

White motorboat with canopy and solar panel

Liability Coverage

Protects you financially if you cause injury or property damage to others while operating your boat.

Blue and white speedboat on dry dock

Comprehensive Coverage

Covers damage to your boat from non-collision events like theft, fire, vandalism, or weather.

Leaning white motorboat beside purple jet ski

Collision Coverage

Pays for repairs or replacement if your boat is damaged in an accident, regardless of fault.

Beached white boat leaning on mangrove shoreline

Wreck Removal

Covers the cost to remove your boat if it sinks or is severely damaged and must be cleared from the water.

Sailboat on calm blue open ocean

On-Water Towing

Provides emergency towing and assistance if your boat breaks down while you’re on the water.

Cluttered fishing boat roof with nets and equipment

Fishing Equipment Coverage

Protects valuable gear like rods, reels, and electronics from damage or theft.

Smiling man on marina dock using a phone

Medical Payments

Covers medical expenses for you and your passengers after an accident, regardless of fault.

Watercraft We Cover

Rider steering red and yellow jet ski

WaveRunner / Jet Ski

Pontoon boat tied to dock under green umbrella

Pontoon

Octopus packed in white crates on dock

Fishing Boat

Boats moored in marina by cliffside town

Ski Boat

Top-down shot of luxury boats tied to pier

Yacht

Single sailboat on calm ocean at sunset

Sailboat