This is the date your coverage will begin.

The most protection you can buy. If the boat is a total loss, the policy pays the boat’s value at the start date. For partial losses, policy pays the cost of repairs and replacement parts with depreciation beginning when boat reaches 20 years of age.

A coverage option for less premium, and more out of pocket expenses for claims. If the boat is a total loss, the policy pays the boat’s current market value. For partial losses, policy pays the cost of repairs and replacement parts with depreciation beginning when boat reaches 20 years of age.

The lowest cost option providing no hull coverage but does cover the essential medical, liability and salvage coverage all boaters need.

Adds a Lifetime Repair Guarantee, $25,000 per person in Supplemental Family Medical Payments, Investigative Services for Manufacturer's Defects, Pet Injury Coverage, Dock Contract Liability (may be required if your boat is at a marina) and New Boat Replacement (for boats under one year old).

Adds $5,000 each incident for rods, reels, tackle, trolling motors and other fishing-specific items, plus tournament coverage.

Adds Dock Contract Liability (may be required if your boat is at a marina), and $25,000 per person in Supplemental Family Medical Payments.

Adds a Lifetime Repair Guarantee, Dock Contract Liability (may be required if your boat is at a marina), and $25,000 per person in Supplemental Family Medical Payments.

Unlimited Towing by TowBoatU.S. – provides payment directly to our tower or service provider, or up to $3,000 in reimbursement. Service includes:

• 24/7 dispatch
• Water towing
• Battery jumps
• Fuel delivery
• Soft ungroundings

Select $250 level of towing service for reimbursement of up to $250 per incident for water towing or roadside assistance when trailering your boat.

NOTE: With your insured trailer, Roadside Assistance is included for breakdowns while trailering your boat. Covers

• 24/7 dispatch
• Towing up to 100 miles
• Flat tires
• Battery jumpstarts
• Fuel delivery

Select trailer coverage for Roadside Assistance to be included in your policy.

For boats in TX, LA, MS, AL, FL, GA, NC, SC, Bahamas, Caribbean or Mexico: For partial or total losses caused directly or indirectly by a National Oceanic & Atmospheric Administration (NOAA) named storm, the deductible will be the greater of $1,000, or 5% of the boat’s insured value.

Coverage for third party property damage or bodily injury, caused by you or your boat.

Provided in addition to policy’s liability coverage, this covers discharge of oil or fuel occurring during a sinking, fire, collision, or grounding. Important coverage as many federal and state laws hold boaters accountable for cleanup, containment, and environmental damage.

Covers out-of-pocket medical expenses for injuries to family members occurring onboard.

Coverage of non-boating related items you carry on board, such as clothing, cameras, computers and fishing or watersports gear.

Provides coverage for injuries caused by an uninsured boat or "hit-and-run" boat.

Reimbursement coverage for commercial tow to port for breakdowns at sea.

Reduces the Hull and Equipment deductible for dinghy and outboard claims to $100. Available for dinghy < 15ft. and < 40hp used strictly as tenders. Boats larger or used for other purposes require a separate policy.

Reduces the Hull and Equipment deductible to $250 for claims related to the boat’s navigational electronics.

Coverage for damage from ice or freezing.

Adds $5,000 in coverage for water skis, wake boards, scuba equipment, inflatables and tow ropes plus an extra $5,000 in medial payments and automatic tournament coverage.

A package of valuable extras for one low price including $10,000 per incident Medical Limits, $5,000 in Personal Effects Coverage, a lowered Electronics Deductible (to $250), and Ice and Freezing coverage.

Additional coverage for Sporting Equipment carried aboard the boat, such as water skis, fishing rods, scuba gear, and hunting decoys.

Policyholders are invited to join BoatUS, Boat Owner’s Association of The United States, at a special discounted rate. Benefits include: six issues of the award-winning BoatUS Magazine, discounts on fuel, slips and repairs at participating marinas, discounts on boat graphics and lettering, travel discounts, representation on Capitol Hill and much more! See why over half a million Members know it pays to belong to BoatUS!

Enter the overall length of your boat rounded to the nearest foot.

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Outboard: A detachable, self-contained engine mounted on the boat's stern.

Inboard/Outboard: The engine is contained inside the boat, but the drive shaft connects to the outdrive through the hull.

Inboard: Common on ski boats and cruisers, the engine is contained inside the boat and the drive shaft goes through the bottom of the boat.

Jet: An inboard motor drives a jet pump that discharges water behind the boat.

Enter the total value of the boat, engines, and attached equipment rounded to the nearest dollar. This does not include the value for the Trailer.

Select the cruising area that best suits your needs.

What person or entity is the titled owner of the boat?

If the owner will be operating the boat as well, please list them here.

Providing your social security number will allow us to give you our lowest rates.

The number of years operating boats in general.

The number of years owning a boat.

Select the organization(s) the operator is a member of, or select “none.”

Only include boating events occurring in the last 3 years.

Include events occurring in the last 3 years. Do not include seat belt or cell phone violations.

Set up automatic premium payments through our secure one-step process. If you pay premiums in installments, fees are waived with Auto Pay.

Examples include :

• Hull Extensions
• Power Conversions (e.g. Converting an inboard-powered boat to an outboard-powered boat)
• Removing/altering structural bulkheads
• Adding permanently installed waterslides or pool slides
• Homemade boats

• Outboards : Repowering or adding horsepower beyond the hull manufacturer's specifications
• Inboards and Sterndrives : Any performance modifications to the engines; including repowering or adding horsepower beyond the hull manufacturer's specifications

Can't find your manufacturer listed? Enter the manufacturer name to continue your quote.

Can't find your watercraft? Choose the closest model to your boat or Other.

Text alerts include important information regarding your insurance policy and/or Membership and Towing Services. Alerts will be sent via text or SMS at the mobile number provided.

• Payment Notifications
• Payment Confirmations
• Auto-pay Notifications
• Renewal Reminders

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