Boat Insurance

Both avid and occasional boaters who understand that a boat is an investment look for coverage that does more than just provide liability. That’s our market.

Coverage for most boat types

We accept boats up to 64 feet in length, 70 m.p.h. (faster for some classes), and $1 million in value (most states).

  • Bass/walleye
  • Pontoon
  • Sail boat
  • High-performance
  • Ski boat
  • Sport fisher
  • Houseboat
  • Trawler
  • Cruiser
  • Mid-performance
  • Runabout
  • Hovercraft

In some states we offer a special program just for yachts, and a Jet Ski® or Wave Runner® qualify for protection under our personal watercraft program.

 

Much broader than an endorsement to a homeowners policy

Endorsing a boat to a homeowners policy provides very limited coverage with many exclusions.

Valuation – With a homeowners endorsement there is likely a cap which is well below the boat’s value. A boat policy covers the boat’s agreed value or even its replacement cost.

Liability – A boat policy offers separate liability provisions from what applies to your home,  as well as higher limits and other coverage options such as water sports participation.

Options – A good boat policy is all about full protection and options, such as emergency assistance, protection from uninsured or underinsured boats, loss of fishing gear, and more. Endorsing a homeowners policy offers no options.

Perils – With an endorsement, the list of covered perils is limited. A boat policy offers a comprehensive list.

 

The full value of the program is in the customization

Advantage Plus Yacht Plus Pro Angler
Loss of fishing gear or personal effects Loss of fishing gear or personal effects
$10,000
Loss of fishing gear or personal effects
$10,000
Loss of fishing gear or personal effects
$10,000
Emergency assistance reimbursement Emergency assistance reimbursement
$1,500 per event
$3,000 term max
Emergency assistance reimbursement
$2,500 per event
$5,000 term max
Emergency assistance reimbursement
$1,500 per event
$3,000 term max
Search and rescue reimbursement Search and rescue reimbursement
-
Search and rescue reimbursement
$10,000
Search and rescue reimbursement
-
Travel loss reimbursement Travel loss reimbursement
-
Travel loss reimbursement
$1,000 per day
$10,000 term max.
Plus lodging and transportation
Travel loss reimbursement
-
Tournament fee reimbursement Tournament fee reimbursement
-
Tournament fee reimbursement
-
Tournament fee reimbursement
$500 per event
$1,500 term max.

 

Learn More

Regular boat maintenance extends its life, conserves fuel, and protect the safety of your passengers.

Prepping your boat for that first outing depends on the type of boat – a pontoon, bass boat and ski boat are different – and where it was kept over the winter – in or out of water. Here are five points to consider.

Keep reading