Marine and Boat Insurance
Protect your yacht, sailboat or other watercraft against injuries, damage or theft with marine insurance designed for your needs.
We have Insurance for all kinds of boats
There’s nothing quite like getting out on the water, a sunny afternoon, a full tank of fuel, and nowhere to be except wherever the boat takes you. But before you untie from the dock, make sure your boat and your time on the water are properly protected.
Personal boat insurance can provide coverage for your boat, equipment, liability, and more, depending on the policy. Whether you have a fishing boat, bowrider, pontoon, or something a little more adventurous, coverage can be tailored to your boat and how you use it.
It’s also important to think beyond the boat itself. Accidents, theft, damage to equipment, or an injury to someone on board can turn a great day on the water into a very expensive one.
Because the only thing you should have to worry about on the water is whether you remembered the sunscreen.
What types of boats do we insure?
If you own something smaller like a paddleboat, canoe, kayak, or any other boat without a motor, you can usually cover it under your home insurance policy. Give us a call so we can find coverage that works for you.
Fishing boats
Whether you’re casting lines on the weekend or heading out for the big one, your fishing boat deserves the right protection. Coverage can help protect your boat, equipment and liability while on the water.
Cabin Cruisers
Cabin cruisers offer the best of both worlds, comfortable accommodations with the freedom to explore. We can provide protection for your vessel, onboard belongings and liability, whether you’re enjoying a weekend getaway or a longer adventure.
Pontoon boats
Pontoon boats are made for relaxing days, family fun and plenty of time on the water. The right insurance helps protect your investment from damage, theft and accidents, so you can focus on enjoying the ride.
Commercial marine
When your boat is part of your business, you need insurance designed around more than just the vessel. Commercial marine coverage can help protect your boat, equipment, cargo, employees and liability, helping keep your business moving when the unexpected happens.
Sail boats or catamarans
Sailing is all about freedom, adventure and letting the wind do the work. The right marine insurance helps protect your sailboat against unexpected damage, theft and liability while you’re cruising the open water.
Trawlers
Built for longer journeys and comfortable cruising, trawlers are designed to take you farther. Specialized marine insurance can help protect your vessel, equipment and liability as you explore lakes, rivers and coastal waters.
Jet-skis & Seadoos
Personal water crafts (PWC’s) have evolved into models used for tour and cruising, fishing, tow sports and high-performance racing. Get the right coverage for your unique ride.
Standard coverages
Most standard boat and watercraft policies cover the following:
Collision coverage
Liability for injuries
Boat equipment
Theft of the watercraft
Cost of a rental Boat
Damage from impact
What isn’t covered?
Most standard boat and watercraft policies exclude the following:
International travel
Standard policies typically limit navigation to Canada and the U.S. Additional coverage may be available for trips to destinations such as the Caribbean, Bahamas or Mexico.
Maintenance
Routine servicing, cleaning, repairs and replacement of worn components are considered normal ownership expenses and are typically the responsibility of the boat owner.
Wear & tear
Normal deterioration, corrosion, aging and damage caused by regular use are generally not covered. Insurance is intended for sudden and accidental losses, not the gradual wearing out of your boat.
Improper winter care
Damage caused by inadequate winterization or improper storage—such as freeze damage to engines, plumbing or other systems
Frequently asked questions about marine insurance
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Your boat is a significant investment and being on the water comes with risks that aren't always covered by your home or auto insurance. Marine insurance can help protect your boat, equipment, and passengers against accidents, theft, weather-related damage, and liability claims, depending on the coverage you choose.
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Marine insurance can cover a wide range of vessels, including fishing boats, sailboats, pontoon boats, cabin cruisers, trawlers, personal watercraft, and larger recreational vessels. Commercial vessels may also require specialized commercial marine insurance. Coverage depends on the type, size, value, use, and location of the vessel.
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Marine liability insurance can help protect you against eligible claims if you accidentally cause bodily injury or property damage to someone else while operating your boat. This can include situations such as colliding with another vessel or damaging a dock, subject to the policy's terms, conditions, and limits.
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Potentially, but where you travel matters. Marine policies can have specific navigational limits that determine where you're covered. If you're planning to take your boat into U.S. waters, the Great Lakes, or farther afield, tell your broker before you go so you can confirm your policy provides the appropriate territorial coverage.
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Winter storage is an important part of marine insurance. Depending on the policy, coverage may continue while your boat is laid up, but there can be specific requirements regarding winterization, storage, shrink-wrapping, or hauling the vessel out of the water. Improper winter care can potentially affect a claim, so it's worth discussing your storage plans with your broker.
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Generally, marine insurance is designed to cover sudden and accidental losses rather than routine maintenance, deterioration, or normal wear and tear. Things such as corrosion, aging, mechanical deterioration, and lack of maintenance may be excluded. Regular maintenance is still an important part of protecting your boat and your coverage.
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Yes, potentially. If your vessel is used for chartering, fishing commercially, transporting people or goods, marine contracting, or another business purpose, a standard recreational boat policy may not be appropriate. Commercial marine insurance can be designed around the specific activities and risks of your business.
Save on marine insurance with bundle discounts
Combine your home, vehicle and boat and save even more!