Boat Insurance

Custom boat insurance coverage options

Get the basics that every boater needs—Liability coverage to protect your assets, and Physical Damage coverage to protect your watercraft.

Then, get added protection—specialized boat insurance coverage that you just won’t find on a homeowners policy. This includes:

• Fuel Spill Liability. Companies will pay for damage if you’re responsible for an unintentional fuel spill.
• Wreckage Removal. Companies pay recovery costs if you’re responsible for the removal of a covered watercraft.
• On-Water Towing and 24-hour Roadside Assistance. Help is just a call away if you have a breakdown, whether on the water or on land.
• Fishing Equipment Replacement Cost. Companies will cover up to $10,000 for tackle, rods and reels damaged on or stolen from your boat.
• Personal Effects Replacement Cost. Companies will cover the cost of personal items that are damaged, lost or stolen while on your boat.

Finally, enjoy the ultimate in peace of mind with the Total Loss Replacement option. Simply put, you get a brand new boat of similar make and quality if your current boat is damaged beyond repair or stolen.

Service from experts

Our companies have claims representatives who are watercraft experts who specialize in boat insurance claims. They manage claims from start to finish, working closely with qualified shops to ensure repairs are done quickly and done right.

Outstanding savings and value

See how affordable a boat insurance policy is. Ask about discounts for bundling with an auto or home policy, owning multiple boats, being your boat’s original owner, paying in full, and more.

Prepare and protect your boat or RV in the off-season

Follow these tips to make sure your vehicle is ready for winter.

• Review vehicle manuals for winterization and maintenance.
• Check rubber seals, gaskets, roof tops, decks, windows, etc. to prevent water intrusion.
• Remove anything that retains water.
• Turn cushions on edge to prevent mold and mildew.
• Fill gas tank to minimize condensation. Add a fuel stabilizer.
• Change oil/oil filter to protect your engine from impurities.
• Turn off refrigerator. Disconnect battery cables and turn off all battery switches or remove the battery completely.
• Open and clean drawers, lockers, refrigerator and freezer.
• Use a coupler lock on trailers. Lock all compartments and entry doors.
• BOATS: Pressure wash hull to remove marine organisms. Clean thru-hulls and strainers. Open seacocks to drain any water. Store the boat “bow high.” Remove the hull drain plug so rainwater can escape.
• Close windows and blinds—and keep the RV/boat covered.
• Block all wheels securely so your vehicle/trailer can’t roll.
• Remove your keys, update your contact information at the storage facility, and have someone check on your vehicle periodically.
• Review your insurance policy for the optional specialized coverages you may need, such as Roadside Assistance, Emergency On-Water Towing (Boat) and Vacation Liability (RV), just to name a few. For more information on these or other specialized coverages, please contact us.

Pre-season checklist for boat or RV

Start the season off right! Review these tips before you even leave the storage facility.

• Remove covers and inspect the entire vehicle to ensure everything
  is in good working order. Take your boat to a qualified marina for a detailed inspection.
• Make sure tires have the proper air pressure.
• Check fluid levels and make sure there are no leaks.
• Before starting the vehicle, check under the hood for any animals or birds that may have nested.
• Check all batteries and cables. Replace batteries in smoke detectors.
• Test headlights and brake lights.
• Be sure to replace boat plugs before putting in the water.
• Ensure state certifications or registrations are up-to-date.
• Review your owner’s manual, or take the vehicle to a dealership or service location to make sure it’s ready.
• Review your insurance policy for the optional specialized coverages you may need, such as Roadside Assistance, Emergency On-Water Towing (Boat) and Vacation Liability (RV), just to name a few.

For more information on these or other specialized coverages, please contact us.