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Personal coverage

Boat & Watercraft Insurance

Homeowners policies offer little or no coverage for boats, and most marinas and yacht clubs require proof of liability insurance before they'll let you dock. A watercraft policy covers physical damage to your boat, injuries to passengers, and your liability on the water — protecting you from repair and legal costs that can easily reach into the tens of thousands after an accident.

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Who this coverage is for

This is for owners of boats and personal watercraft, from small fishing boats and ski boats to sailboats and jet skis. It protects your vessel, the people on board, and your responsibility to others while you are out on the water.

What it can help protect

Boat and watercraft insurance can cover both the vessel and your liability:

  • Your vessel — repairs or replacement after a collision, storm, fire, sinking, or theft.
  • Liability — costs if you injure someone or damage another boat or property on the water.
  • On-board equipment — motors, trailers, and gear, depending on your policy.
  • Medical costs — injuries to you or your passengers in a covered accident.
  • Uninsured boaters — protection if another operator with little or no insurance causes an accident.
Regularly misunderstood coverages
Agreed/Stated Value vs. Actual Cash Value

Agreed value vs. a depreciated payout.

Key choices and underwriting factors

A licensed review will usually focus on type, horsepower, and value, where and how the craft is used, and storage, mooring, and lay-up periods.

Common Questions