What Does Boat Insurance Cover?
Physical Damage Coverage
Provides protection in the event of a collision such as with a submerged object or another boat.
Liability Coverage
For bodily injury or damage to the property of others.
Personal Property Coverage
Protects personal property on the boat including, but not limited to, your clothing, stereo system, cameras and other personal items.
Towing and Assistance Reimbursement
To transport your boat to a repair facility when it’s inoperable and you’re stranded. Gas delivery for boats and roadside assistance are also available.
Flexible Pricing Programs
You choose between agreed value or actual cash value coverage. Agreed value provides “replacement value” on covered partial losses involving your vessel, its furniture, fixtures and electronic equipment. Actual cash value earns you a premium discount. In the event of a loss, settlement is based upon a depreciated value.