Vehicles & Lifestyle
Boat Insurance
Powerboats, sailboats, and personal watercraft.
Overview
What to know about boat coverage.
Watercraft coverage depends on how and where you use the vessel. A small runabout on a local lake looks very different than a coastal sailboat. Policies can include physical damage, liability, fuel-spill liability, and coverage for trailers and accessories.
What's typically covered
- Hull and machinery
- Liability including fuel-spill coverage
- On-water towing
- Trailers and related equipment
Things to consider
- Navigation area matters: coastal, inland, and blue-water premiums differ
- Agreed-value vs. actual-cash-value affects what you’re paid after a total loss
- Lay-up periods can reduce cost during off-season storage
Ready to talk about boat?
Tell us what you're protecting and we'll shop it across carriers. No obligation, no hard sell.
