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Coverage Start Date

The effective date of your policy can range from 1-60 days in the future. This is the date your coverage will begin.

Agreed Hull Value Coverage

Agreed Hull Value Coverage is the most protection you can buy. In the event of a total loss, you are paid the boat's value, as "agreed upon" by our underwriters at the time you purchase the policy, with no deductible. Also, if your boat is brand new (under a year old) and is a total loss, it qualifies for new boat replacement coverage. For other (partial) losses, your policy pays the reasonable cost of repairs and replacement parts. It's important to note that all materials will be subject to depreciation once the boat reaches 20 years of age. With an Agreed Hull Value policy, you pay more premium up front for total protection, but less out of pocket expense in the event of a claim.

Actual Cash Value Coverage

Actual Cash Value Coverage is an economic option for boaters who want to save on premium and pay more out of pocket for repairs in the event of a claim. In the event of a total loss, you will be paid the current market value of your boat. In the event of a partial loss, in addition to paying the deductible, all materials will be subject to depreciation once the boat reaches 20 years of age.

Liability Only Coverage

Liability Only Coverage If you are looking for a lower cost option, you may want to consider our Liability Plus Policy. This policy provides the essential coverages you need without the added cost of expensive hull coverage, though you take on the cost to repair or replace your boat in the event of a claim.

Named Storm Deductible

The following applies to boats located in the states of TX, LA, MS, AL, FL, GA, NC, SC, the Bahamas, the Caribbean or Mexico: In the event of any loss caused directly or indirectly by a storm named by the National Oceanic & Atmospheric Administration (NOAA), the deductible subtracted from each loss, whether partial or total loss, will be $1,000, or 5% of the amount shown for Boat & Boating Equipment, whichever shall be the greatest.

Boating Liability

Provides coverage for third party property damage or bodily injury, caused by you or your boat for which you're found legally liable.

Fuel and Spill

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 law subject boaters to liability for cleanup, containment, and environmental damage. This coverage is provided in addition to the policy's normal liability coverage.

Family Medical Payments

Covers out-of-pocket medical expenses for injuries occurring on board your boat.

Personal Effects

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

Uninsured Boater Protection

Provides coverage for injuries caused by an accident that you are entitled to recover from the owner or operator of an uninsured boat or "hit-and-run" boat.

Commercial Towing Assistance

Enables you to be reimbursed for the reasonable costs incurred when you breakdown at sea or on the road and need a commercial tow to port.

Premier Package

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. Add $75 to your premium.

Lower Dinghy Deductible

Dinghy Option will reduce the deductible applicable to losses to your dinghy and its outboard to $100; without it, the 'Hull and Equipment Deductible' above will apply. This option is available for dinghy under 15 feet with under 30 horsepower that are used strictly as tenders for your boat. If the boat is used for other purpose or is larger you may need a separate policy.

Lower Electronics Deductible

Low Electronics Option will reduce the deductible applicable to losses to the boat’s navigational electronics to $250; without it, the 'Hull and Equipment Deductible' above will apply.

Ice & Freezing

With the BoatU.S. Yacht Endorsement, coverage is included for damage from ice or freezing while the boat is stored or used in AL, AZ, CA, FL, GA, HI, LA, MS, NM, NC, OR, SC, TX & WA.

Water Sports Package

Sports Package includes $5,000 of Actual Cash Value coverage for your water skis, tow ropes, knee boards, wake boards, scuba equipment and inflatables, $5000 Medical Coverage, and Automatic Tournament Coverage for competitive Wakeboarders and Waterskiers. Add $30 to your premium.

Sporting Equipment

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

Angler Package

Includes $5,000 coverage for Fishing Equipment. It also provides Automatic Tournament Coverage, including entry fee reimbursement, should a claim cause you to miss or withdraw from a competition.

Boat Length

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

Hull Type

Click the icon for more information

Engine Type

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.

Boat Value

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

Cruising Area

Select the cruising area that best suits your needs.

Owner Type

Who or what is the titled owner of the boat?

Owner Operator

If this person will drive the boat at all, they must be listed as an operator.

SSN

Why do we need it? While not required, entering your social security number will allow us to give you our lowest rates.

Owner Experience

The total number of years that this operator has been operating boats in general.

Years of Boat Ownership

The total number of years that this owner has owned a boat.

Active Memberships

Select the appropriate organization that this operator is a member of or choose none.

Claims Information

Only include events from the past 3 years.

Driving Violations

Only include events from the past 3 years. You do not have to add seat belt or cell phone violations.

Auto Payment Signup

Select "yes" below to enroll in the automatic payment plan. You’ll save time, checks and postage as well as not have to worry about any interruption in coverage! Your initial payment will be processed today. This payment as well as future payments, will be made automatically using the credit card or bank account you provide through this secure one-step set-up process.

Boat Types

Cruiser

24' or greater power boat, contains a cabin/sleeping berth, head and galley.

Runabout

23' or less power boat with an open bow or small cabin.

Auxiliary Sailboat

A vessel using sails and wind for propulsion with an inboard engine.

Personal Watercraft (Jet Ski, Ski Doo)

Small water jet powered craft operated by sitting, standing or kneeling on the watercraft.

Sailboat

A vessel using sails and wind for propulsion that may or may not have an outboard engine.

Pontoon Boat

A flat bottomed vessel built on two pontoons. A tritoon boat has a third pontoon in the middle.

Trawler

Similar to a cruiser, a power boat with a displacement hull that pushes through water instead of planing on top of it. Usually powered by a diesel engine.

Houseboat

30' to 80' power boat or larger, broad beam, shallow draft, large structure on pontoons or on a regular vee hull. Constructed for operation on inland or protected waterways.

Multi-Hull Sailboat

A sailboat with 2 or 3 hulls. Also called a catamaran or triamaran.

Multi-Hull Powerboat

A powerboat with 2 hulls. Also called a power-catamaran.

Bass Boat

Powerboat with a low freeboard, outboard engine and platform for fishing.