Boat Owners Insurance

Choose your plan

You can customize your insurance plan by choosing from the following coverages (subject to policy limits and guidelines):

  • Physical Damage

    Choose actual cash value replacement cost, or agreed value coverage for you boat, motor, trolling motors, trailer, and permanent and portable boating equipment (subject to certain limitations. Partial losses are not subject to depreciation, except batteries, sails, plastic and canvas coverings, outdrive units and outboard motors more than five years old, and personal watercraft.

  • Roadside Emergency Service

    Pays for towing and labor for covered emergencies.

  • Personal Effects

    Coverage for personal items you take boating, such as cameras and clothing

  • On-Water Towing

    Coverage to help get you back on dry land

  • Liability Insurance

    To protect against personal injury claims and damage to the property of others

  • Medical Payments

    To pay medical bills for the treatment of injuries that are incurred by you or others while operating or occupying your boat.

Premium Discounts

  • Boater safety course discount when an adult operator has taken a safety course
  • Multi-policy discount when you also have your home or auto policy insured
  • Multi-boat discount when you insure more than one boat

Be safe, save money

Boater safety courses are offered in all parts of the country by several different organizations, Discounts are available on pleasure boatowners policies when a rated operator takes a safety course in your area.

For more helpful boating information, visit these websites: