Your boat can serve as the ultimate weekend retreat or your next big adventure. Regardless of what type of boat you have or how you use it, we offer a wide range of watercraft carriers to fit your coverage needs and particular style of boating.
We can insure personal watercraft, small boats, big boats over 50 feet in length, performance boats that have speeds over 100 MPH, and boats used for charter.
Also know that on vessels that are older and over a certain length, you may be required to have a valid marine survey (usually dated 5 years or newer) available so the carrier can asses your boat for coverage. Some carriers like Progressive will never require a survey and build it into their pricing.
Carriers will also ask you for information about your previous boating experience. If you are purchasing insurance for a larger boat a company might also want to see you have experience operating a larger vessel. They can ask what types of boats you have owned in the past or operated, if you have any additional safety or navigational training, and if you have had any past watercraft losses.
Below you will find some useful information on what is included when you purchase a new policy.
You can purchase coverage for physical damage on your own vessel. There are usually three different coverage valuations you can choose from:
If you cause bodily injury or property damage your watercraft policy will respond.
If there are immediate injuries on or around your boat your policy will help pay towards medical expenses
Uninsured & Underinsured Boater
If someone else causes bodily injury to you or damage to your vessel without adequate coverage, your own policy will respond and pick up your damages up to the policy limit.
Sometimes the weather just doesn't cooperate. If there is an anticipated storm and you incur expenses from hauling your boat out of the water as a precaution, your policy can pay up to a percentage of the haul out expenses
On Water Services
If your boat encouters a mechanical breakdown or if you run out of fuel you can purchase coverage for towing & fuel delivery. Progressive offers Sign & Glide which allows access to a network of tow operators and other services such as weather inquiries and navigational help.
Personal Effects & Fishing Equipment
If you have items you commonly carry onto your boat and are damaged, you can purchase personal effects coverage. You can also buy special coverage for your marine electronics and fishing equipment up to a specified limit.