Boat Saver Policy – An Economic Option for Basic Protection

Personal Watercraft Policy – Designed Especially for the PWC Owner

ANGLER Insurance – Coverage for your Boat and Gear

Liability PLUS Policy – Provides coverage for third-party property damage or bodily injury. PLUS valuable extras not found in a standard liability policy. Excludes coverage for your boat and equipment.

Add-on Coverages – Ice and Freezing, Depreciation Waiver, Personal Effects, Lower Dinghy Deductible, Lower Electronics Deductible – may be available along with your policy.

Liability Coverage in Mexico – Boaters are required by law to show coverage from a Mexican insurance provider in the event of an accident. Make sure you’re covered with a short term policy from our partner insurance provider in Mexico.

All BoatUS Policies Include

24-Hour Immediate Dispatch - our expert claims staff is standing by seven days a week to help policyholders through boating emergencies, including sinking, salvage, fuel spill containment and pollution clean-up.

$25,000 Supplemental Family Medical payments - In addition to the medical coverage you select with your policy, this additional $25,000 covers injuries for each family member to help ensure that your family does not have any large out-of-pocket expenses if they are injured onboard.

Additional $800,000 Fuel Spill Liability – this additional liability covers unintentional discharge of oil or fuel that can occur in a sinking, fire, collision, grounding, etc. This “green coverage” is important now that federal and state laws subject boaters to liability for cleanup, containment, and environmental damage. This coverage is provided in addition to the policy’s normal liability coverage.

Full Salvage Assistance - covers you for the full cost of salvage, without a deductible, up to the insured value of your boat.

Uninsured Boater Protection – Additional medical coverage for your injuries caused by a collision if a hit-and-run or uninsured boater is at fault. Amount is equal to the liability amount on the policy.

Liability for Dock Contracts – If you signed a contract to store your boat at a marina, this coverage is for any legal liability it requires you to assume as a result of property damage or injuries to your guests while on the marina’s property.

Hurricane Haul-out Coverage – up to 50% or $1,000 in reimbursement for professional hauling and/or preparation in the event of a NOAA Named Storm in your area. (ex. PWC)

Seaworthy Damage Avoidance Program – BoatUS insurance specialists turn actual claim case studies into boat and life-saving articles for you in Seaworthy, the quarterly e-newsletter written especially for insured Members. Policy holders receive it free! Electronic or paper subscriptions are available for non-insureds for $10/year.

Total Protection Yacht Policy – Agreed Value Coverage for Total Protection

The BoatUS Yacht Policy is the association’s flagship insurance policy and is available for any boat except Personal Watercraft (PWC).

Features:
Agreed Value Coverage – for boat, boating equipment, trailer, dinghy and outboard
Broad Cruising Area – with extension options including Bahamian waters
Medical Payments – up to $10,000 per person, per occurrence
Liability - up to $500,000 per occurrence*
Consequential Damage coverage as a result of fire, explosion, sinking, collision, demasting or stranding
Lifetime Repair Guarantee – for claims-related repairs made at an approved facility for as long as you own and insure the boat through BoatUS
Investigative Services for Manufacturer Defects – A BoatUS Exclusive – if your claim indicates a possible manufacturer's defect or warranty dispute, we’ll provide a professional analysis and report from one of our marine surveyors.
*higher limits may be available

Losses
Partial losses for boating equipment are covered on a new for old basis. However, specific items are subject to depreciation. For specific information about Yacht Policy depreciation, click here.

All policies are subject to policy limits and exclusions. 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.

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Boat Saver Policy – Actual Cash Value Coverage, an economic option providing less coverage for your boat and equipment at a lower premium

The BoatUS Boat Saver Policy is a "no-frills" actual cash value insurance policy. Some of the savings on your premium comes from the depreciation of ALL losses. Simply put, your premium will be considerably lower, but you are subject to more out of pocket expense to repair or replace your boat in the event of a loss with this policy. Click here for more information on Yacht and Boat Saver losses. Weigh your potential out of pocket expenses against your premium savings as you look at this and the other policy options for your boat and situation.

Rest assured a discounted price doesn’t mean discounted service. You can still count on outstanding service from the BoatUS team of claims experts 24 hours a day, 7 days a week.

Boat Saver Policy Features:
Actual Cash Value Coverage - for boat, engine and boating equipment
Optional coverage - for trailer and sporting equipment
Medical payments - up to $5,000 per person, per occurrence
Liability payments - up to $300,000 per occurrence

Losses – All Boat Saver Policy losses are subject to depreciation. Click here for more information on Boat Saver losses.

All policies are subject to policy limits and exclusions. Please read your policy carefully.

For a FREE quote on a Boat Saver Policy or any BoatUS policy, visit our online application or call toll free, 1-800-283-2883.

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Personal Watercraft Policy

Most Jet Ski®, Sea Doo®, or other jet powered craft aren't covered by a homeowner policy, so BoatUS developed a PWC policy initially for its policyholders who had a PWC in addition to their boat. Because of the success of the program, the policy is now available for all safety-oriented PWC owners. Discounts are given to boaters having completed a boating safety courses.

PWC Policy Features:
Actual Cash Value Coverage
Optional Trailer Coverage
Broad Cruising Area - including U.S. and Canada
Medical payments - up to $5,000 per person, per occurrence
Liability payments - up to $300,000 per occurrence

Losses – All PWC Policy losses are subject to depreciation. Click here for more information on PWC losses.

*Actual Cash Value Coverage – in the event of a total loss, the market value, determined by age and condition of the PWC at the time of the loss. Boating industry reference materials (NADA Book, BUC Used Boat Guide, ABOS Marine Blue Book) are often used to determine market value.

NOTE: Coverage does not extend to any operator under 14 years of age. BoatUS and other boating safety experts recommend the minimum age of operators be 16. Check your local laws-many states have minimum age and/or education requirements.

All policies are subject to policy limits and exclusions. Please read your policy carefully.

For a FREE quote on our PWC Policy or any BoatUS policy, visit our online application or call toll free, 1-800-283-2883.

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ANGLER Insurance – For the fishing enthusiast and boater

ANGLER’s BEST – our flagship policy featuring Agreed Value coverage for total protection

ANGLER Bass Boat Program – Exclusively for bass boats - Agreed Value coverage with extended cruising areas

NOW AVAILABLE! ANGLER Insurance for Fishing Guides - now available as an option with ANGLER'S Best and ANGLER Bass Boat policies!

ANGLER Boat Saver Policy – an economic option featuring Actual Cash Value coverage for basic protection

ANGLER’s Best – Total Protection for your Boat, Motor and Equipment

Policy Features:
Agreed Value Coverage* – for your boat and motor
Replacement Coverage – for boating equipment
Coverage for Fishing Equipment – up to $5,000 per incident
Optional Coverage – for trailer and other personal effects
Automatic Tournament Coverage and Fee Reimbursement – should a claim cause you to miss or withdraw from a competition
Broad Cruising Area – with extension options
Liability Payments – up to $500,000 per occurrence
Medical Payments – up to $10,000 per person, per occurrence
Consequential Damage coverage as a result of fire, explosion, sinking, collision, demasting or stranding
Lifetime Repair Guarantee – for claims-related repairs for as long as you own and insure the boat through BoatUS
Investigative Services for Manufacturer’s Defects – if your claim indicates a possible manufacturer's defect or warranty dispute, we’ll provide a professional analysis and report from one of our marine surveyors.

Optional Coverage for Fishing Guides - Available for Charter Fishing Guides operating boats under 24 feet. Often excluded from other providers because of commercial use, BoatUS ANGLER welcomes fishing guides by offering comprehensive coverage for their boat, guests and fishing equipment. Call 1-866-532-1829 for details!

PLUS

Losses – Partial losses for boating equipment are covered on a new for old basis. However, specific items are subject to depreciation. For specific information about depreciation, click here.

*Agreed Value Coverage – determined and agreed upon by both owner and insurance underwriter at the time the policy is purchased.

All policies are subject to policy limits and exclusions. Please read your policy carefully.

For a FREE quote on our ANGLER Policy or any BoatUS policy, visit our online application or call toll free, 1-866-532-1829.

NEW! Optional Coverage for Fishing Guides - Available for Charter Fishing Guides operating boats under 24 feet. Often excluded from other providers because of commercial use, BoatUS ANGLER welcomes fishing guides by offering comprehensive coverage for their boat, guests and fishing equipment. Call 1-866-532-1829 for details!

PLUS

Losses – Partial losses are covered on a new for old basis. However, specific items are subject to depreciation. For specific information about depreciation, click here.

*Agreed Value Coverage – determined and agreed upon by both owner and insurance underwriter at the time the policy is purchased.

All policies are subject to policy limits and exclusions. Please read your policy carefully.

For a FREE quote on our ANGLER Policy or any BoatUS policy, visit our online application or call toll free, 1-866-532-1829.

Boat Saver Policy Features:
Actual Cash Value Coverage* – for your boat, motor and boating equipment
Coverage for Fishing Equipment – up to $5,000 per incident
Optional Coverage – for trailer and other sporting equipment
Automatic Tournament Coverage and Fee Reimbursement – should a claim cause you to miss or withdraw from a competition
Broad Cruising Area – with extension options
Medical Payments – up to $5,000 per person, per occurrence
Liability Payments – up to $500,000 per occurrence

PLUS

Losses - All Boat Saver Policy losses are subject to depreciation. Click here for more information on Boat Saver losses.

*Actual Cash Value Coverage – in the event of a total loss, the market value, determined by age and condition of the boat at the time of the loss. Boating industry reference materials (NADA Book, BUC Used Boat Guide, ABOS Marine Blue Book) are often used to determine market value.

All policies are subject to policy limits and exclusions. Please read your policy carefully.

For a FREE quote on a ANGLER or any BoatUS policy, visit our online application or call toll free, 1-866-532-1829.

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Liability PLUS Policy – Save big on insurance premium with this lower-cost coverage that goes above and beyond a standard liability-only policy. We cover you for third-party property damage and medical lawsuits PLUS the cost of salvage and wreck removal in the event of a fire, grounding, sinking or fuel spill. You're even protected against dock contract liability if you store your boat at a dock or marina. And much more!

The BoatUS Liability PLUS Policy is available for all boats owned outright (having no lien holder).

Liability PLUS Features:

Liability and Medical Payments – choose from a variety of coverage options

Liability for Dock Contracts -- if you've signed a contract to store your boat at a marina, we'll protect you from legal liability resulting from property damage or bodiliy injury while on your marina's property

Full Salvage Assistance – for your boat, including wreck removal

$800,000 Fuel Spill Liability – for the unintentional discharge of oil or fuel that can occur in a sinking, fire, collision, grounding, etc. This “green coverage” is important now that federal and state laws subject boaters to liability for cleanup, containment, and environmental damage

$25,000 Supplemental Family Medical -- extra medical coverage for any onboard injuries to family

PLUS

For more information or a quote for this policy, call 1-800-283-2883.
All policies are subject to policy limits and exclusions. Please read your policy carefully.

Add-on Coverages – when applicable, these options are delivered with your online Quote. Costs vary by boat type.

Yacht Policy Add-ons
Ice and Freezing Coverage – Normally excluded, this provision allows claims for damages resulting from ice and freezing.

Depreciation Waiver – Provides for the reasonable cost of repairs or replacement in instances of partial loss without depreciation. Available on boats aged 10 years and under.

Personal Effects Coverage – For non-boating related equipment such as fishing equipment, stereo, water skiing or other sporting equipment, and clothing lost or damaged while on board.

Lower Electronics Deductible – for higher value boats, avoid full policy deductible for claims relating to navigational electronics by purchasing a lower deductible of $250 per incident.

Lower Dinghy Deductible – when stolen or damaged, reduces deductible to for dinghy and motor to $100.

Boat Saver Policy Add-on:
Sporting Equipment- for water skiing, diving, hunting and fishing gear.


Mexico Liability Coverage – Mexican law requires all boaters to provide proof of liability insurance from a local provider.

Boating in Mexico requires three types of insurance:
1) Hull Coverage
2) Liability Coverage - issued by a Mexican Insurance provider
3) Automobile Liability Coverage - issued by a Mexican Insurance provider if trailering your boat on land.

In the event of an auto or boating accident, Mexican law requires proof of financial responsibility, which is typically done by showing authorities your insurance policy. Without proof of coverage, your boat and vehicle can be impounded until you prove you weren't at fault. However, the Mexican government will only recognize a Mexican insurer.

The link below will connect you with a bona-fide Mexican insurer working in partnership with BoatUS to provide both boat and auto liability coverage for as little as one day or as long as one year. They'll provide you with the coverage and supporting paperwork so, in the event of an accident, you'll be able to show Mexican coverage.

Click here and you'll be taken to our Mexican insurance partner's website and the quote page for your auto. If you would like a boat quote please call them at 1-888-467-4639.

For hull coverage, please note that your BoatUS insurance policy requires a cruising area extension when boating in Mexico. The only exception is for Bass Boat policy holders whose cruising area includes Mexico. You can obtain this extension over the phone by calling BoatUS Policy Services at (800)283-2883 as soon as you plan your trip.

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Coverage for Canadian Residents - For boaters with a Canadian residential address BoatUS has teamed up with CNA Canada to offer hull coverage for your recreational boat. Please call toll-free 1-888-755-2888.

Underwritten by CNA

Yacht, Boat Saver and Angler policies are underwritten by member companies of the CNA Insurance Group. The BoatUS Personal Watercraft program is either underwritten through CNA or Seaworthy Insurance Company, depending upon your state of residence. For more information, click here. These pages contain only a general description of coverage. We recommend you read any policy prior to purchase.

All coverage is subject to the terms, conditions, limits and exclusions of the policy.