What Is It?
Understanding Boat & Watercraft Insurance
Boat and watercraft insurance covers your vessel against physical damage, theft, and liability while on the water. Standard homeowners insurance usually provides very limited coverage (often just $1,500). A dedicated boat policy gives you the full protection your investment needs.
Who Needs It?
Is This Right for Me?
Anyone who owns a boat, jet ski, pontoon, fishing boat, sailboat, or yacht. If your boat is financed, your lender will likely require it. Even if not required, the liability exposure on the water makes dedicated coverage highly recommended.
What’s Covered
What Does Boat & Watercraft Insurance Cover?
Covers your boat, motor, and trailer against collision, fire, theft, sinking, and weather damage.
Pays for injuries and property damage you cause to others on the water.
Covers medical expenses for you and your passengers.
Protects you if injured by an uninsured or underinsured boater.
On-water towing and emergency assistance.
Covers fishing gear, water sports equipment, and personal belongings on board.
Where We Work
Licensed in Georgia, Alabama, Tennessee, North Carolina, South Carolina, Virginia & Arkansas
We serve clients across the Southeast and beyond with access to 50+ carriers.