Boat

Policy feature

What it means

Coverage levels

Liability only

Your boat is insured just for liability requirements of your state.  Physical damage coverage is not part of your policy.

Full coverage

Comprehensive and collision protection are added to the liability coverage.  With full coverage you can add options to your policy.

Loss settlement

Agreed value or market value

For boats up to 10 years old, we settle total loss claims on an agreed value basis.  For older boats, settlement is at market value. For boats up to 3 years old, you can upgrade to a replacement cost valuation.

Included coverage

Medical payments

Every policy includes $1,000 for medical payments. You can increase this up to $25,000.

Optional coverage

Advantage endorsement

Extra coverage for:
•  Uninsured watercraft
•  Non-owned watercraft liability
•  Personal effects
•  Emergency assistance and towing

Yacht plus endorsement

Increases the limits on the Advantage endorsement items, personal effects and towing, plus adds trip interruption protection.

Professional angler endorsement

Increases the limits on the Advantage endorsement items, personal effects and towing, plus adds tournament fee reimbursement.

Watersport liability

If your family likes to water ski, wakeboard or tube-ride, this option is just for you.  Required for ski boats.

Trailer

Protect the trailer you use to tow your boat.

Boat lift

Protect the boat lift you use on your boat.