Boat & Yacht Insurance
Policy Basics

What does boat insurance cover?

Boat insurance coverage options depend on the state where your boat is used, your insurance company and the coverage you choose. Standard boat insurance coverage options typically include:

  • Physical damage: Collisions with another boat or submerged object.
  • Liability: Bodily injury or damage to the property of others.
  • Personal property: Including, but not limited to, fishing equipment, clothing, and boating-related equipment such as life vests.
  • Towing and assistance: Reimbursement for transportation of your boat to a repair facility when it’s inoperable, and for gas delivery and roadside assistance.

To get the most complete protection for your individual needs, discuss available boat insurance coverage options with one of our agents.