What Does Boat Insurance Cover?
Get a Boat Insurance Quote Today
It doesn’t take long to get a quote for boat and yacht insurance. For boats, we offer 12-month coverage with our policies. For yachts, our specialized coverages will help provide you peace of mind.
Boat & Yacht Insurance Coverage
More Inclusive Basic Boat Insurance Coverage
Get basic boat insurance coverage with protection for which other carriers may require additional premiums such as mechanical breakdown, uninsured boater, personal property, medical payments, commercial towing reimbursement, fuel spills and dinghy coverage.
Uninsured Boater Coverage
This provides coverage for incidents when another boater may not have insurance coverage. As long as you've chosen sufficient limits on your policy, uninsured boater coverage can help cover your medical bills and bodily injury resulting from an accident with someone who does not have insurance. Coverage extends to you, your family and your passengers. The requirement for uninsured boater coverage varies by state.
Flexible Coverage Options
You choose between agreed value or actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.
Towing and Assistance Reimbursement
Get reimbursed for transportation of your boat to a repair facility when it’s inoperable, as well as for gas delivery and roadside assistance.
Personal Property Coverage
Protects personal property on the boat including but not limited to fishing equipment, clothing and boating-related equipment such as life vests.
Physical Boat Damage Coverage
This coverage provides protection in the event of a collision such as with a submerged object or another boat.
This helps cover costs of bodily injury or damage to the property of others.
Yacht Insurance Hurricane Haul-Out Coverage
Travelers will share 50% of the cost up to $1,000/per occurrence and $2,000/per policy period to move your vessel to safety during a named windstorm watch or warning.
16 feet or less with 50 horsepower or less.
Territories to match your needs.
From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.
This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.
Prepare & Prevent
Check your boat before departure, bring emergency supplies and use safe boating behavior to help stay safe on the water with these boating safety tips.
Help prepare for boating emergencies by keeping a boat emergency kit and other boat emergency equipment on board.