BoatUS features low rates, broad coverage and fast claims service
for nearly a quarter million recreational boaters nationwide. For
over 40 years, we've offered a variety of affordable
insurance policies developed for boaters by boaters – all
with unique features you won’t find anywhere else. We
insure boats of all types – Yacht to PWC –
with policies
sure to fit your checkbook and boating lifestyle .
Your
policy is serviced by boating experts who are committed to excellence.
In the event of a claim, there is no more dedicated group to ensure
you get back on the water - faster. Why trust
your investment to just anyone when you can choose the Best Crew
for Protecting You – the insurance specialists at BoatUS!
BoatUS Marine Insurance is available in
the continental United States to boat owners with a U.S. address
(excluding Alaska).
Total Protection Yacht Policy – Flagship
Coverage for the Best Protection
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.
Coverage
for Canadian Residents – For boaters with a residential
address in Canada.
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
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 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
PLUS
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
PLUS
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.
ANGLER
Bass Boat Program –
Featuring our broadest cruising area, this is the perfect policy
for the bass boat owner who travels – to lake or salt water.
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
Our Broadest Cruising Area – fish the waters of the
U.S., Canada and Mexico without a cruising extension.
Medical Payments – up to $10,000 per person, per
occurrence
Liability Payments – up to $500,000 per occurrence
Consequential Damage coverage as a result of fire, explosion,
sinking, collision, demasting or stranding - regardless of the cause.
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.
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.
ANGLER
Boat Saver Policy – Actual
Cash Value* Coverage, an economic option providing less coverage
for your boat and equipment at a lower premium
IMPORTANT
NOTE: The ANGLER 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. Weigh your potential
out of pocket expenses against your premium savings as you look
at this and the ANGLER’S Best (Agreed Value) policy
option to determine what’s best for your boat and situation.
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.
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