A homeowners or renters policy may give limited coverage to small boats, like canoes, small sailboats and boats with motors under 25 horsepower, often about $1,000 or 10% of your property coverage. We'll check whether your boat is covered and what the limits are.
Other boats need their own policy. The size, type and value of the boat, and the water you use it on, affect the cost.
Personal watercraft
Home and auto policies may give limited coverage for personal watercraft. A personal watercraft policy can cover bodily injury, property damage, guest passenger liability, medical payments and theft.
Coverage to consider
- Liability
- Physical damage
- Theft
- Medical payments
- Motor
- Trailer
- Boat covers, docking fenders and communication equipment
Every boat is different, so we'll check whether you need added coverage or qualify for discounts.
