PersonalBoat
Personal insurance
Boat insurance
Covers the hull, motor, trailer, and your liability on the water — with limits that match how and where you use the boat.
In plainEnglish
Homeowners policies cover only very small boats, and only barely. A boat policy covers physical damage, liability, towing, and usually the trailer. Navigation limits, lay-up periods, and agreed value versus actual cash value are the details that matter.
Covers
- Hull, motor, and trailer
- Liability including fuel spill and wreck removal
- Medical payments
- On-water towing
- Personal effects and fishing gear, when added
Doesn’t cover
- Use outside the navigation area
- Racing
- Gradual deterioration and marine life
Who needs it
- Owners of powerboats, sailboats, pontoons, and personal watercraft
- Anyone docking at a marina that requires proof of coverage
Nextstep
Ready to see boat options?
A few questions, your ZIP, and we’ll show you which market fits before you give us a phone number.