Boat Insurance & Personal Watercraft Insurance

Although it's cold outside right now, boating season is around the corner and always on our mind.
We offer a variety of different options to fit your individual needs. Our marine packages contain industry-leading coverages and features which cover almost all types of watercraft. We have a package and price point for just about everyone!

Boat Insurance & Personal Watercraft Insurance Coverage Defined:

Watercraft Physical Damage
Cover physical damage to your watercraft caused by direct, sudden, and accidental perils.

Personal Liability
Provides coverage for bodily injury and property damage incurred by others for which you are negligent and legally responsible.

Uninsured Watercraft
Provides coverage in the event that the insured incurs bodily injury from the owner or operator of an uninsured watercraft.This coverage is subject to the policy Limit of Liability.

Medical Payments
Pays the necessary and reasonable medical expenses incurred or medically determined within one year from the date of an accident causing bodily injury to any person while in, upon, boarding or leaving the watercraft. If this and other insurance apply to a loss, this insurance is primary.

Towing
If the watercraft is disabled while afloat or away from safe harbor or the trailer is disabled, we will pay for:

• The cost of emergency labor performed at the site of disablement; or
• Towing to the nearest place where needed repairs can be made; or
• Delivery of gas, oil or battery; however, unless an Elite Package is purchased we do not pay for the cost of the items.

Trailer
Coverage for trailers equipped to transport your boat safely.

Personal Property
Includes wearing apparel, sports equipment, fishing equipment and other personal property owned by any of the insured or their guests while on board or being carried on or off the watercraft. If this and other insurance apply to a loss, this insurance is primary.