Boat Insurance

Boat insurance includes coverage for your boats, motors, trailers and boating accessories.

Our home insurance automatically provides coverage for your boat up to $1,500. If your boat is worth more, you can buy additional boat insurance through your home policy.

Liability and medical

Additional liability coverage is included automatically for some boats. Large boats or boats with large motors don’t qualify for automatic coverage. Your rep will help you choose any additional coverage you might need, based on the type of boat you own. 

Medical Payments coverage can help you pay the medical costs of someone injured on your boat. 

Your liability and medical limits will be the same limits you choose for your home insurance.

Boat damage

Boats and boating equipment can be damaged in the water, on land or while being towed. Specific coverages will be included in your policy for damage to your boat and other equipment from things like collision, theft and fire.

Boat insurance provides coverage for your boat and equipment to repair or replace the damaged property, minus depreciation. Your home insurance deductible (the portion you’ll owe out of pocket) will apply to any covered physical damage claim. Coverage limits are either $1,500 or the increased amount you chose to add to your home policy.