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Watercraft and boat insurance

Looking for coverage? Click any of the following links to submit a quote for quick, accurate and affordable rates.

Watercraft Quote Form

Protect all of your recreational vehicles to avoid pricey bills. There’s no reason to ever risk being uninsured. Call today to get your FREE quote!


Work with a company that's been in business for more than 20 years. Our licensed agents can meet your recreational vehicle insurance needs.



Why do you need insurance for your boat or personal watercraft?


  • You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

  • If you're in an accident or your watercraft is stolen, it costs money, often a lot of money, to fix or replace it.

  • If you or any passengers are injured in an accident, medical costs can be extremely expensive.

  • If your watercraft is responsible for damage or injury to others, you may be sued for much more than you're worth.

  • Your watercraft also needs protection when it's on land. Accidents can happen while towing a watercraft.


Things to consider and questions to ask your agent

Here are a few things to consider as you prepare for the discussion:


  • You'll enjoy the water ever more when you're not worried about the safety of yourself, your passengers or your investment. Here are a few things to How much can you afford to pay if your boat or personal watercraft is in an accident, damaged or stolen?

  • Is my boat or watercraft covered for use year-round?

  • What discounts and programs are available?

  • How much medical insurance and liability coverage is enough?

  • Do I have coverage if I need to have my boat towed in an emergency?

  • What's the process for filing and settling a claim?

  • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?

  • Home and auto insurance policies may provide limited coverage for personal watercraft. Talk to your insurance representative about coverage limits. You may want to consider purchasing a personal watercraft policy to protect yourself 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 $10,000 and can be increased.


Typical policies include various options for deductibles.


Additional coverage can also be purchased for trailers and other accessories.


You should talk to your insurance representative about the type of coverage that would best suit your needs.

Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below. 


  • Add Watercraft to Existing Policy

  • Change Primary Operator on Existing Watercraft Policy

  • Remove Watercraft from Existing Policy

  • Request Declaration and Coverages Page for Watercraft Policy

  • Request ID Card for Watercraft Policy

Watercraft/boat customer service options

Watercraft/boat insurance information