Boat Insurance Coverage Options
Physical Damage Coverage
Choose actual cash value, replacement cost, or agreed value coverage for your boat, motor, trolling motors, trailer, 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 Assistance Coverage
Pays for towing and labor for covered emergencies.
Personal Effects Coverage
Coverage for personal items you take boating, such as cameras and clothing.
On-water Towing & Labor Coverage
Coverage to help get you back on dry land.
Fishing Equipment Coverage
Protection for your rods, reels, lures, tackle boxes, and electronic gear.
Boat Rental Reimbursement
If your boat is disabled more than 24 hours due to a covered loss, this coverage helps pay for a rental boat so that you can get back out on the water.
Boat Liability Insurance
Protects against personal injury claims and for damage to the property of others.
Insurance coverage that pays medical bills sustained for the treatment of injuries that are incurred by you or others while operating or occupying your boat.
Uninsured Boaters Coverage
Protects against bodily injury to you due to an accident caused by an uninsured boater.