Our policies offers a variety of boat insurance coverage* options for your boat, motor, trailer and equipment. These options include physical damage, liability and medical coverages and a variety of discounts.** Learn more about the types of boat and personal watercraft insurance coverages that are available:
Physical Damage Coverage
Watercraft Liability Coverage
Medical Payments Coverage
Other Policy Features
Coverage for your personal watercraft (PWC)
Physical Damage Coverage*
Protection for your boat, motor and trailer: You'll need coverage for your boat, motor and trailer while boating, launching, hauling, or storing your vessel. We provide protection against theft, vandalism, windstorm, hail, lightening, fire and explosion. Our policy includes coverage if you strike a submerged object. We also provide coverage for your boat while it's being operated by an authorized user.
Emergency services:
Your policy will include up to $100 for the reasonable expenses of emergency services such as towing, mechanical labor at the place of breakdown, and the delivery of fuel, oil, or a battery.
Wreck removal:
Coverage is permitted, up to an additional 5% of your Physical Damage Coverage limit, for the reasonable cost that may be incurred by the attempted or actual raising, removal, or destruction of a covered watercraft.
Boat equipment:
Our policy provides boat equipment coverage equal to 10% of your Physical Damage Coverage limit.
Deductible:
You can select from available deductible options that will help meet your needs.
Repair Cost Option:
For partial losses, we will pay the actual cost to repair or replace the covered property (less the deductible) with material of like kind and quality, and with no deduction for depreciation, up to the limits you choose.
Watercraft Liability Coverage*
Protection for your liability arising out of boat ownership:
We offer protection in case you or a member of your household accidentally injures another person in a boating accident. This includes accidentally injuring a swimmer or water-skier. You can select the coverage limit that helps meet your needs.
Property damage liability:
Our policies will provide coverage if you hit and damage a dock, or if your boat collides with and damages another boat.
Medical Payments Coverage* Medical payments protection can provide coverage for reasonable and necessary medical expenses resulting from injuries sustained in a covered boating accident including:
The boatowner and the passengers in the covered boat.
Water-skiers being pulled behind the covered boat.
You, residents of your household and guest passengers, while swimming from the covered boat, if struck by any boat.
Other features* of our policy:
Coverage up to 100 nautical miles of either the U.S. or Canada :
Our policy offers coverage for up to 100 nautical miles of either the U.S. or Canada .
Emergency services coverage:
The $100 limit can be increased to $500 for an additional premium.
Coverage for personal effects:
You can purchase this Optional Coverage to pay for the physical loss of belongings such as fishing or skiing equipment.
Discounts ** that may apply:
You may be eligible for one or more of the following discounts by purchasing boat insurance from us:
Boat and Auto Discount for boat insurance policyholders who also have their private passenger automobile insurance written with the same Insurance Company.
New Boat Discount if the boat is less than 11 years old.
Boating Education Discount for the successful completion of an approved boating education course.
Diesel Engine Discount for boats equipped with diesel engines.
Protective Device Discount for boats equipped with protective devices.
Primary Operator Experience Discount if the primary operator has 3 or more years of boating experience.
Coverage* for your personal watercraft (PWC) You need coverage for a variety of risks you face while operating or transporting your personal watercraft. Find out more about your personal watercraft insurance coverage * options.
Consider your coverage* options and find out how you can help protect your:
Personal watercraft (PWC)
Trailer
Other equipment normally required to be on board for the operation of your watercraft such as flotation devices.
Personal Watercraft Physical Damage Coverage* offers protection against a range of hazards that can occur during storing, hauling, launching or running your personal watercraft.
Equipment required to be on board for the operation of your PWC is included under Personal Watercraft Physical Damage Coverage.
Physical damage to the hull is also included in this coverage.
Ask about additional protection with these Optional Coverages:
Trailer Physical Damage Coverage* may provide protection against:
Theft, fire, explosion, collision
Windstorm, lightning, upset
Personal Watercraft Liability Coverage* provides protection against accidentally injuring another person or damaging another person's property while using the covered vessel. Protection may be available in the event:
Your vessel collides with and damages another vessel.
Your vessel damages a dock you don't own.
Your vessel accidentally hits a swimmer who doesn't have insurance.
Medical Payments Protection* provides coverage for reasonable and necessary medical expenses resulting from injuries received as a result of a covered boating accident that can include:
The personal watercraft owner and passengers in the covered PWC.
Individuals being pulled behind the covered personal watercraft.
You, residents of your household and guest passengers, while swimming from the covered personal watercraft, if struck by any vessel.
Other Optional Personal Watercraft Insurance Coverages* may include:
Increased Liability Coverage: provides higher limits for additional protection against personal injury or property damage.
Watersports Liability Coverage: provides protection for individuals being pulled behind the covered vessel.
Uninsured Private Pleasure Watercraft Coverage ( Virginia only): provides protection for personal injury and/or property damage when an accident occurs involving an uninsured private pleasure watercraft.
What about discounts** and savings?
Depending on what type of personal watercraft you own, policy type, coverages purchased and the state in which the policy is written, you may be eligible for one of the Personal Watercraft Insurance Discounts below. The following is a summary of the Personal Watercraft Insurance Discounts offered in a majority of states. Please read the Note** that follows this list regarding the availability, qualifications and amounts of these discounts.
Multiple Unit Discount – 5%: If you have insured more than one personal watercraft, you could qualify for this discount.**
Transfer Discount – 20%: If your personal watercraft is currently insured with another carrier and you bring in proof of your insurance, you could qualify for this discount.**
Claim-Free Renewal – 20%: If you renew your personal watercraft policy claim-free, you may qualify for this discount.**
