Boat and 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 insurance coverage
Coverage for incidents that involve another boater who may not have boat insurance coverage. If 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’s uninsured. Coverage extends to you, your family and your passengers. Requirements for uninsured boater coverage vary by state.
Flexible coverage options
Choose between agreed value and 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 on a depreciated value.
Towing and assistance reimbursement
Coverage that provides reimbursement for transportation of your boat to a repair facility when it's inoperable, as well as for gas delivery (but not the gas itself) and roadside assistance.
Personal property coverage
Coverage that 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
Coverage that provides protection in the event of a collision such as with a submerged object or another boat.
Liability coverage
Boat insurance coverage that helps cover costs of bodily injury or damage to the property of others.
ADDITIONAL COVERAGE FOR YACHTS
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.
Dinghies/tenders
16 feet or less with 50 horsepower or less.
Customized navigation
Territories to match your needs.
More about boat insurance
BOAT AND YACHT OVERVIEW
Keep your family, friends and boat protected. Get a boat insurance quote today.
WAYS TO SAVE
Bundling policies and taking safe boating courses can save you money on boat and yacht insurance.
FAQ
Got questions? We have the answers.
Related products
Jewelry & valuable items coverage
From jewelry to collectibles, you may have more valuables than you realize. And your home insurance policy may not provide the coverage you need.
Umbrella insurance
This liability coverage may go above and beyond your car and home insurance policies to help protect you from unexpected events.
Home insurance
Protect your home the way it protects you by choosing the property insurance coverage that meets your needs.
PREPARE & PREVENT
Insights to help you manage risks at home and on the road
Safe Boating Resources
Avoid Common Boating Mishaps
Make safety your first priority: Have essential safety gear with you and know the common mistakes boaters make so you can avoid them. Explore our boating safety tips now.
Safe Boating Resources
Emergency Preparedness Tips and Checklist for Boaters
Help prepare for boating emergencies by keeping a boat emergency kit and other boat emergency equipment on board.
Safe Boating Resources
When Is the Best Time to Buy a Boat?
Are you considering a boat purchase? The following questions can help you decide if you're ready to take the helm.
