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Boat & Watercraft Insurance

Why do you need insurance for your boat or personal watercraft?
You'll enjoy the water even more when you are not worried about the safety of yourself, your passengers, or your investment.  Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.
  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.
  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you are worth.
  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.

Things to consider and questions to ask one of our agents:

  • How much can you afford to pay if your boat or personal watercraft is in an accident, damaged, or stolen?
  • Is my boat or watercraft covered for use year-round?
  • What discounts and programs are available?
  • How much medical insurance and liability coverage is enough?
  • Do I have coverage if I need to have my boat towed in an emergency?
  • What's the process for filing and settling a claim?
  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

Home and auto insurance policies may provide limited coverage for personal watercraft.  You may want to consider purchasing a personal watercraft policy to protect yourself and your watercraft in the event of an accident.

The personal watercraft policy covers:

  • Bodily injury
  • Property damage
  • Guest passenger liability
  • Medical payments
  • Theft

Coverage can also be purchased for trailers and other accessories as well.  You should talk to one of our insurance agents about the type of coverage that would best suit your needs.


Looking for coverage?  Click the following link to submit a quote for quick, accurate, and affordable rates.

Watercraft Quote Form


Access customer service forms directly from our website.  Click one of the following policy service options below.

Add Watercraft to Existing Policy Request Declaration and Coverages Page for Watercraft Policy
Request ID Card for Watercraft Policy
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