Protect Your Boat, Jet Ski, or Personal Watercraft On and Off the Water
Product Types Available
- Motorcyles
- Street Bikes
- Classic, Historic & Vintage
Boat insurance is essential for protecting your watercraft from damage, liability, theft, and unexpected accidents. Whether you enjoy quiet days on a lake, offshore fishing, or thrill rides on a jet ski, the right policy helps keep your fun afloat — while protecting your investment.
From pontoons to personal watercraft, insurance coverage can be tailored to your boat type, use, and storage method.
What Types of Watercraft Are Covered? 🛥️
Policies can be written for most recreational watercraft, including:
Powerboats and speedboats
Pontoon boats
Jet skis and personal watercraft (PWC)
Sailboats
Fishing boats
Cabin cruisers
Small yachts
Trailers used for transport
Each type has unique risks and coverage needs, which your agent can help tailor.
How Insurance Premiums Work
Most policies include:
Liability – Covers injuries or property damage you cause to others
Physical Damage – Pays to repair or replace your boat after accidents, theft, fire, or storms
Medical Payments – Helps with medical costs for you and your passengers
Uninsured Boater – Protects you if another boater doesn’t have enough coverage
Towing & Assistance – Covers on-water breakdowns, fuel delivery, or towing to shore
Optional add-ons may include coverage for trailers, fishing gear, and personal items on board.
Explore Lakes in Hudson Valley & Western CT
📌 Bottom Line
Boat insurance helps you enjoy the water with confidence. Whether you cruise, fish, ski, or sail, the right policy protects you, your passengers, and your investment — on the water and off. With customizable coverage options and discounts available, it’s easy to find a plan that fits your boat and your lifestyle.