Boat & Watercraft
Boat Insurance From the Ramp to the Sandbar
Pontoons, runabouts, fishing boats, and jet skis. We cover the boat, the motor, the trailer that hauls it, and the liability that comes with a busy weekend on the water.
A homeowners policy typically includes only a token amount of watercraft coverage — enough for a small boat with a tiny motor, and not much else. Anything with real horsepower needs its own policy.
The coverages that matter most on the water are liability, on-water towing, and fuel spill. A breakdown miles from the ramp gets expensive fast, and fuel spill cleanup is a legal obligation of the owner.
We can also cover the boat during storage and while it's on the trailer, which is where a surprising number of claims actually happen.
What This Policy Can Include
Hull & Machinery
Physical damage to the boat, motor, and permanently attached equipment.
Watercraft Liability
Injuries and property damage you cause on the water, including damage to docks and other boats.
Trailer Coverage
Protects the trailer on the road and in storage, not just the boat it carries.
On-Water Towing
Pays for a tow, jump, or fuel delivery when you're stranded away from the ramp.
Fuel Spill & Wreck Removal
Covers cleanup and removal costs that the owner is legally responsible for.
Personal Effects & Fishing Gear
Rods, electronics, skis, tubes, and the equipment you keep aboard.