Boat INSURANCE
More lake days. Fewer what-ifs.
From a pontoon on Apple Valley Lake to a fishing trip farther afield, set out with the right protection.
WHO IT’S FOR
Built around your life.
Owners of pontoons, fishing boats and other eligible watercraft used for personal recreation.
What it typically covers
- Eligible damage to the hull and motor
- Boating liability for covered injuries or property damage
- Options for onboard equipment and your boat trailer
- Wreck removal, fuel spill liability and on-water towing options
Coverage depends on the carrier, selected options, limits, deductibles and policy terms. We’ll walk through the details with you.
THE DETAILS MATTER
Common gaps people miss.
01 / WORTH A CONVERSATION
A home policy may have low limits or exclude your boat entirely.
02 / WORTH A CONVERSATION
Winterization, freezing and wear-related damage have important exclusions.
03 / WORTH A CONVERSATION
Navigation areas, watersports and equipment limits vary by policy.
STRAIGHT ANSWERS
A few things you might be wondering.
Is my boat covered on the trailer?
A boat policy may cover eligible physical damage in transit. The towing vehicle’s liability and the trailer’s coverage also need review.
Does it cover tubing or water skiing?
Many policies offer watersports liability, but activities and exclusions differ. Tell us how you use your boat.
Can I keep coverage through winter?
Year-round protection can address storage risks. We will explain winterization requirements and any seasonal terms.
Let’s talk boat.
Tell us what matters. We’ll help you find the right fit.