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Auto Insurance: Boats & Jet Skis

Auto insurance is the type of insurance purchased for cars, trucks, motorcycles and other vehicles usually used for protection against traffic accidents. Auto insurance, in particular, is mandatory by law in the United States. There are several categories of vehicle insurance, including the following: Automobile, Motorcycle, ATV, Segway, Snowmobile, Boat, Jet Ski, Waverunner, Sea-Doo, Recreational Vehicle (RV), Camper, and Commercial Vehicles.

Click on one of the tabs below to read about the insurance that relates to the type of vehicle in that category.

Auto

Motorcycle, ATV, Segway, & Snowmobile

Boat/Jet Ski

RV/Camper

Boat/Jet Ski/Waverunner/Sea-Doo Insurance

Coverage is available for the following types of watercraft: Runabout, Mini Jet Boat, Sailboat, Cabin Cruiser, Fishing Boat, Pontoon Boat, Jet Ski, Waverunner, Sea-Doo and other personal watercraft (PWC).

Liability Insurance

A fixed amount of coverage that pays for damages that an insured client is required to pay due to an accident or some form of negligence.

Example: Mark loses control of his ski boat and crashes into Philip's party boat, causing repairable damage to both vessels. Mark's liability insurance would cover the repairs to Philip's boat.

Physical Damage Insurance

Covers physical damage to the insured vessel. Total Loss Replacement is available for all new boats purchased within the last 13 months that are less than or equal to 2 model years old. Agreed Value is a replacement policy for boats 10 years old or less.

Uninsured / Underinsured Boater Insurance

This type of coverage covers other parties that are responsible for an accident and are either underinsured or uninsured.

Medical / Personal Injury Insurance

Covers necessary expenses for medical or funeral services provided to you and your passengers as a result of an accident.

Personal Valuables

Covers replacement or repair of personal valuables carried on the insured vessel. Amounts covered are dependent on your policy and range up to $5,000.

Fishing Equipment

Covers replacement or repair of fishing equipment carried on the insured vessel. Amounts covered are dependent on your policy and range up to $10,000.

On-Water-Towing

An add-on endorsement that covers charges related to towing your disabled vessel to shore for repairs. Coverage depends on your specific policy limits.

Trailer Coverage

Covers damage to or loss of the trailer used to transport your insured vessel.

Rental Reimbursement

An add-on endorsement that reimburses rental fees during required repairs. Coverage depends on your specific policy limits.

Roadside Assistance

Provides for roadside assistance should you become stranded while towing your insured watercraft.

Death and Dismemberment

An add-on endorsement that supplements other benefits. Covers you in case death or dismemberment results from injuries sustained while on the insured vessel.

Wreck Removal

Allows for the removal of wrecked vessels following an accident.

Pollution Liability

Covers you in the case that your insured vessel sustains liability for pollution.

Lifts and Hoists

Covers repair and replacement of necessary lifts and hoists for your insured vessel.

On-Shore Equipment

Covers repair and replacement of necessary on-shore equipment for your insured vessel.

Available Boat and Watersports Discounts:

There is NO Limit to the number of discounts that you can qualify for!

Boater Safety Course
Up to 5% discount available when an approved boater safety course is successfully completed.

Diesel Fuel
Up to 5% discount if your boat operates on diesel fuel (diesel is much less flammable).

Fire Extinguishers
It pays to be prepared! Discounts may be available if your vessel is equipped with fire extinguishers.

Multi-Boat
Up to 5% discount when you insure more than one boat or watersport vehicle with us. One policy can support up to 12 vehicles.

Multi-Policy
Up to 15% reduction if you have multiple policies with us.

On-Board-Radio
Discounts may be available for boats outfitted with a functioning ship to shore radio.

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