Personal
Watercraft insurance
Covers your boat, motor, and trailer, plus your liability on the water.
What it covers
The essentials, at a glance.
In practiceYour boat's wake or a collision injures someone or damages another vessel, and liability responds to the claim.
Not coveredDamage to your own boat is physical-damage coverage, not liability.
In practiceYou run aground or the motor is damaged in a storm, and physical-damage coverage pays to repair the boat and motor.
Not coveredWear, gradual deterioration, and mechanical breakdown aren't covered, only sudden accidental loss.
In practiceThe boat is stolen off the trailer, and theft and trailer coverage responds.
In practiceYou sink and need the wreck removed, or you cause a fuel spill, and optional coverage handles those costs.
Not coveredWithout the optional wreck-removal and fuel-spill coverage, those costs may fall on you.
