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