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Having a boat, jet ski, or any watercraft means freedom. But on the water, there are also risks: accidents, damage, theft, or liability toward others. Insurance isn't just a requirement at most marinas — it's a way to protect your investment.
What's Covered?
A clear breakdown of every protection layer included in your policy.
Physical Damage (Hull)
Covers your boat, motor, and permanently attached equipment whether on the water, on a trailer, or in storage. Choose Agreed Value or Actual Cash Value.
Liability Coverage
Pays for bodily injury or property damage you cause to others — including damage to other boats, docks, or fuel spills (often regulated under federal law).
Uninsured Watercraft
Many states don't require boat insurance. Protects you and your passengers if an uninsured boater causes injuries or damage.
Medical Payments
No-fault coverage that pays medical bills for you, your family, and passengers injured in a boating accident — regardless of fault.
Additional Coverages
Add-ons designed for the realities of boating and trailering.
What Many Owners Don't Know
Homeowners policies often include very limited boat coverage — typically only for small, low-horsepower craft (under 25 mph), with liability caps that may be insufficient. Anything larger needs a dedicated marine policy.
Our Approach
It's not just about insuring you. It's about making sure you understand your real risks and what coverage you need.
Assess your real risks
Find the right coverage
Avoid paying for things you don't use
Ready to protect
what matters most?
As an independent agency, we compare multiple carriers to find the best coverage for your needs.