Most companies provide some coverage for property damage for small boats such as canoes and small sail boats or small power boats with less than 25 per horse power under a homeowners or renters insurance policy. Coverage is usually pretty limited. Check with us to find out if your boat is covered and what the limits are.  (Use the Contact Us tab or call 1-800-548-2329.)  Make certain your boat is covered under some form of liability insurance; you don't want to have your financial life ruined if someone is injured while you are using your boat.

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 insurance policies may provide limited coverage or no coverage for personal watercraft.  (Personal watercraft are the small, one or two person, sit-on type motor boats.  They're fast, small, offer no protection if you hit something.) Talk to us about coverage limits. You will probably have to purchase a personal watercraft policy to protect you and others 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 $15,000, which is ridiculously small, and can be greatly increased. The price for high limits is not much more than that for the useless low limits.  Typical policies include deductibles of $250 for property damage, $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:

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.

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