⛵ Boat & Watercraft Insurance

Set sail.
Stay protected.

From jet skis to sailboats to cabin cruisers — your watercraft needs coverage your homeowners policy doesn't provide.

✓ All Watercraft Types✓ Hull Coverage✓ Liability on Water✓ Trailer Coverage

Specialty Carriers We Work With

ProgressiveMarkelNational GeneralForemostChubb+ 10 more

✦ Free & No Obligation

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Why It Matters

Coverage built for
what you actually own.

⛵

Hull & Motor Coverage

Covers physical damage to your boat, motor, trailer, and permanently attached equipment from collisions, fire, theft, sinking, and storm damage. Many policies include agreed value so you're not fighting over depreciation.

⛵

Homeowners policies pay for boat damage — you need a separate watercraft policy

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On-Water Liability

If you cause an accident on the water — injuring another boater or damaging their vessel — liability coverage protects you. Many marinas also require minimum liability as a condition of docking.

🔧

Towing & Assistance

Boat towing on the water can cost hundreds to thousands of dollars. Most specialty watercraft policies include water towing, fuel delivery, and assistance.

🌊

Uninsured Boater Protection

Not all boaters carry insurance. If an uninsured boater hits you, uninsured boater coverage ensures you're not left paying out of pocket for repairs and medical bills.

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Coverage Breakdown

What your policy
actually covers.

Coverage Type	What It Covers	Status
Hull Insurance	Physical damage to the boat, motor, and permanently attached gear	Recommended
Liability	Bodily injury and property damage you cause to others on the water	Strongly Advised
Medical Payments	Covers you and passengers after a watercraft accident	Optional
Uninsured Boater	Protects you if hit by an uninsured watercraft operator	Strongly Advised
Towing & Assistance	On-water towing, fuel delivery, battery jump	Optional Add-On
Trailer Coverage	Damage to the trailer when on land or in transit	Recommended
Personal Effects	Covers fishing equipment, electronics, personal items on board	Optional Add-On

Client Stories

Real people.
Real coverage that paid off.

★★★★★

Finally covered

"My 24-foot Sea Ray had zero coverage under my homeowners policy. CoverGuard found me a great rate with Markel — hull, liability, and towing included."

Robert H.

Powerboat Owner · Long Beach

★★★★★

Super easy

"Got my PWC covered in about 20 minutes over the phone. The agent actually knew what a Sea-Doo was — great experience."

Sandra M.

Jet Ski Owner

FAQ

Your questions,
answered.

Does homeowners insurance cover my boat? +

Most homeowners policies provide very limited coverage for small boats (under 25 HP) with low value limits. Larger boats, jet skis, sailboats, and motorboats need a separate watercraft policy.

Do I need boat insurance in California? +

California doesn't require boat insurance by law, but many marinas and storage facilities require minimum liability as a docking or storage condition. Lenders also require coverage if your boat is financed.

What's the difference between agreed value and actual cash value? +

Agreed value means you and the insurer agree upfront on the boat's value — that's what you receive in a total loss. ACV deducts depreciation, which can leave you significantly short on a total loss claim.

Is my boat covered when trailering? +

Your boat trailer is typically covered under an auto policy while towing. However, physical damage to the boat itself while being towed often requires your watercraft policy to cover it — we'll make sure both are coordinated.

Set sail.Stay protected.