Auto Insurance
Liability, collision and comprehensive cover for the cars on your driveway.
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Boat & Watercraft
Hull, motor, trailer, liability and wreck removal, on inland water or coastal.
What this cover does
Homeowners policies cover small boats at a token limit and nothing else. A marine policy covers the hull and motor on an agreed or replacement-cost basis, and adds the liabilities that only exist on water — fuel spill, wreck removal and salvage.
Typically included
- Hull, motor and permanently attached equipment
- Watercraft liability for injury and property damage
- Trailer cover on the road and at the ramp
- Wreck removal and emergency towing
- Fuel-spill and pollution liability
- Uninsured boater cover
Common add-ons
- Agreed-value settlement on a classic or restored hull
- Extended navigation limits for coastal and offshore use
- Personal effects and fishing equipment
- Mechanical breakdown on the engine
Questions
What people ask about boat
Does my homeowners policy cover my boat?
Usually only a small dinghy or canoe at a very low limit, with no liability on the water. Anything with a meaningful motor needs its own policy.
What are navigation limits?
The waters the policy covers. A standard inland policy will not respond offshore or in foreign waters. Tell us where you actually go.
Often taken together
Related cover
Homeowners Insurance
Structure, contents, liability and the cost of living elsewhere while repairs happen.
Read more →
Quote Boat & Watercraft
Tell us what you already have and we will show you where this fits — or tell you plainly that you do not need it.