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Watercraft Insurance

Don't leave any aspect of your financial well-being to chance; protect yourself with the right insurance coverage for all your needs.

boat

Watercraft Insurance

Enjoy every moment on the water with confidence, knowing your boat and your finances are protected with comprehensive watercraft insurance.

Whether you own a powerboat, sailboat, fishing boat, or personal watercraft like a jet ski, the right insurance coverage helps protect you from unexpected accidents, damage, and liability. At Our Insurance Agency, we offer customized watercraft insurance solutions designed to fit your lifestyle, vessel, and budget.

What Our Watercraft Insurance Covers

Our policies can be tailored to cover a wide range of boats and watercraft, including:

  • Powerboats and sailboats

  • Jet skis and other personal watercraft

  • Fishing boats and specialty vessels

Depending on your policy, coverage options may include:

Collision Coverage

Helps pay for damage to your boat if it’s involved in an accident with another vessel or object.

Comprehensive Coverage

Protects against non-collision losses such as theft, vandalism, fire, storms, and weather-related damage.

Liability Coverage

Provides financial protection if you are found responsible for causing bodily injury or property damage to others while operating your watercraft.

Theft and Vandalism Protection

Helps cover repair or replacement costs if your boat or equipment is stolen or intentionally damaged.

Why Watercraft Insurance Matters

Financial Protection
Boats and equipment can be expensive to repair or replace. Insurance helps protect your investment in the event of a covered loss.
Liability Protection
Accidents on the water can lead to serious claims. Liability coverage helps protect your assets and financial future.
Peace of Mind
With the right coverage in place, you can focus on enjoying the water—not worrying about unexpected costs.

Personalized Coverage That Fits You

Our experienced agents work closely with you to build a policy that matches your specific needs. We offer flexible coverage limits and deductible options so you can get the protection you want at a price that makes sense.

Protect your boat. Protect your finances. Enjoy the water with confidence.
Contact Our Insurance Agency today to get a personalized watercraft insurance quote.

Click And Learn

Hurricane
Watercraft breakdown
Property Damage
Uninsured Watercraft
Bodily injury liability

Hurricane coverage

Risk Factors

The marina where you dock your cabin cruiser is in the path of an approaching hurricane — you want to get it out of the water and hauled to a safe location as soon as possible.

Solution

Watercraft insurance helps with the cost of professional haul-out when a hurricane or tropical storm threatens your boat.

Watercraft breakdown coverage

Risk Factors

Your motorboat stalls in the middle of the lake — and won’t restart. You’re not sure what went wrong, but you need help now.

Solution

Optional coverage may help with the cost of emergency labor where your boat is disabled or a tow to the nearest location where repairs can be made. It may also cover the cost of gas, oil, or a battery if needed.

Property damage coverage

Risk Factors

Your watercraft might collide with someone’s personal property and cause damage to the same.

Solution

If you cause an accident that damages another person’s property, liability coverage may help pay for expenses you incur as a result.

Uninsured watercraft coverage

Risk Factors

You may meet with an accident involving another watercraft that is not insured or has insufficient coverage for the loss caused by the accident.

Solution

The uninsured watercraft coverage on your boat insurance policy may help pay for the resulting expenses.

Bodily injury liability coverage

Risk Factors

The people sailing in a boat may face bodily injury, making the owner pay for their medical expenses.

Solution

Watercraft insurance may help prevent you from paying out of pocket for medical bills and other related costs like loss of income.
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