Boat Saver Policy

For the boater who needs less coverage, the BoatUS Boat Saver Policy provides basic Actual Cash Value protection of your boat at a lower premium. Rest assured a discounted price doesn't mean discounted service. You can still count on outstanding care from our claims experts 24 hours-a-day, 7 days-a-week.

Featured Coverages:

  • Actual Cash Value Coverage
  • Provides basic "no frills" coverage of your boat, engine, boating & sports equipment. In the event of a total loss, your claims payout is determined using the current market value of your boat. (All partial losses subject to depreciation).

  • Medical Payments Coverage
  • In the event of on-board injury, your policy includes up to $5,000 in per person, per occurrence medical coverage, and up to $25,000 for Family Members.

  • Optional Coverage for Trailer & Personal Effects
  • Coverage options available for trailers, sporting equipment & and personal items carried aboard the insured boat.

  • Liability Coverage
  • Enjoy up to $500,000 in per occurrence liability coverage. (higher limits may be available)

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* All Boat Saver Policy losses subject to Depreciation. Click for more information on Boat Saver Losses.

All BoatUS Policies Include:

24 Hour Claims & Dispatch of Assistance

Our experienced team of claims professionals will dispatch assistance, utilizing our nationwide network of towers, salvors and surveyors to help policyholders through boating emergencies like fire, sinking, theft or fuel spill containment -- even roadside accidents. Your claim is handled by boating experts committed to outstanding service that gets you back on the water -- fast.

Full Salvage Assistance

Covers you for the full cost of salvage, without a deductible, up to the insured value of your boat at the time of the loss.

$25,000 Supplemental Family Medical Payments

To ensure that you or your family do not incur large out-of-pocket expense if injured onboard, our policies also include an additional $25,000 for payments not covered by any major medical policy. This coverage is in addition to the medical payments limit you select with your policy.

Additional Fuel–Spill Liability

In addition to your policy's standard liability coverage, this extra liability protection protects you from claims for clean-up or 3rd-party damage due to the accidental discharge of oil or fuel that can occur in a sinking, fire, collision, grounding, etc. This "green coverage" is crucial now that federal and state laws subject boaters to liability for cleanup, containment, and environmental damage.

Diminishing Deductibles

Receive a 25% discount on your deductible each year you remain claims free, until it reaches $0!
(Begins with your first renewal).

Uninsured Boater Protection

Additional coverage for your injuries caused by a collision where a hit-and-run or uninsured boater is at fault.

Liability for Dock Contracts

A BoatU.S. Exclusive – If you signed a contract to dock or store your boat, it may hold you liable for personal injury or property damage -- even if you are not at fault. BoatU.S. offers this unique coverage to protect you from these liabilities the contract may require you to take responsibility for.

Named Storm Haul-Out Coverage

Covers 50% of the cost (up to $1,000), per event, to professionally haul or protect your boat, in preparation for an NOAA Named Storm in your area. (Not applicable for PWCs).

FREE Subscription to Seaworthy Damage Avoidance E–Newsletter

Stay safe on the water all season with your free e-subscription to Seaworthy, the quarterly newsletter that turns actual claim case-studies into valuable boat and lifesaving tips. Electronic or paper subscriptions are available for non-insured members for $10/year.

*All coverage is subject to the terms, conditions, limits and exclusions of the policy. Salvage and Wreck Removal excluded on Liability policies for PWC. Please read your policy carefully.

For a FREE quote for our Yacht Policy or any BoatUS policy, visit our Online Application or call toll free, 1-800-283-2883 for personal service.