Most companies provide limited coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 per hour horse power under a homeowners or renters insurance policy. 

For other boats, you will need to purchase separate insurance. The size, type, value of the craft and the water in which you use it factor into how much you will pay for insurance coverage.
 
Personal Watercraft
 
Home and auto insurance policies may provide limited coverage for personal watercraft.  You may want to consider purchasing a personal watercraft policy to protect you and your water vehicle in the event of an accident.
 
The personal watercraft policy covers:
•    bodily injury
•    property damage
•    guest passenger liability
•    medical payments
•    theft

Liability limits start at $50,000 and can be increased to $500,000. Typical policies include deductibles of $250 for collision, $500 for theft and $1,000 for medical payments.
Additional coverage can also be purchased for trailers and other accessories. Please contact us about the type of coverage that would best suit your needs.
 

Insurance coverages to consider:

• Liability
• Physical Damage
• Theft
• Medical Payments
• Motor Coverage
• Trailer Coverage
• Boat Covers
• Docking Fenders
• Communications Devices
  
  ​Remember, since every boat is unique please make sure you check with us to see if you need any additional coverages or would be eligible for additional discounts.