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Watercraft and Boat Insurance

Lifetime Renewability

No need to worry about losing your insurance. Once you become a policyholder, you are assured continued coverage as long as you’re able to operate your watercraft and meet a few simple requirements.^†

24/7 Hassle Free Claims Service

When you have an insurance claim, it’s good to know that your insurance company has the experience and know-how to make the claims process as smooth as possible. Rest assured – we’ll be there when you need us.

Additional Benefits to Customize Your Protection

Seasonal Use Protection

Do you store your boat or personal watercraft for several months out of the year? You can still get year-round protection, at rates that take into account extended times when your watercraft is not being used.

Agreed Value Coverage

When you purchase this optional watercraft coverage, we will repair or replace your damaged boat or watercraft or pay an agreed amount if there is a total loss.

Water Sports Liability Coverage

This optional protection provides liability coverage for water skiing or other “towing-related” water sports.

^† If you are age 50 or older, once you’re insured through this Program for at least 60 days, you cannot be refused renewal as long as applicable premiums are paid when due. Also, you and other customary operators of your watercraft must retain valid licenses, remain physically and mentally capable of operating a watercraft, have no convictions for operating any vehicle, watercraft, machinery or aircraft under the influence of drugs or alcohol and must not have obtained your policy through material misrepresentation. Benefit currently not available in Hawaii, Michigan, New Hampshire, North Carolina and South Carolina.